Mutual of Omaha Investor Services, Inc.

Mutual of Omaha Investor Services, Inc. provides advisory and retirement-plan services to a broad mix of clients including individuals (both non‑HNW and high‑net‑worth), retirement plans, corporations, and charitable organizations. Its offerings include one‑time and ongoing financial planning, third‑party money manager programs, MOIS‑managed accounts (FSP, SMA, UMA, APM) and retirement plan consulting and advisory services.

The firm works primarily through its network of Investment Advisor Representatives who recommend model portfolios or third‑party managers available on MOIS’s approved platform and may implement strategies on a discretionary basis through the Platform Manager (Envestnet) or MOIS Advisors under the APM program; Pershing typically serves as the qualified custodian for managed accounts. Advisors are generally limited to products and managers approved by MOIS, may set fees within firm ranges, and can offer ongoing planning support and data aggregation tools to monitor client situations.

Compared with many enterprise advisers, MOIS is noteworthy for the scale mismatch between its advice network and assets under management — several hundred advisors but roughly $24 million in regulatory AUM — and for its integrated broker‑dealer and insurance company affiliations, which create multiple revenue pathways (commissions, referral fees, non‑cash incentives and promoter arrangements with third‑party RIAs). The brochure also discloses platform‑specific features and potential conflicts (use of proprietary PMC funds and certain sweep funds that pay 12b‑1 fees, a promoter/referral model for third‑party managers) and a prior FINRA enforcement matter disclosed from 2016.