Osaic Advisory Services, LLC

Osaic Advisory Services is a large, multi-affiliate SEC-registered investment adviser that serves a broad mix of retail and institutional clients, including individuals (both non‑HNW and high‑net‑worth), retirement plans, trusts, estates, corporations, and banking or thrift institutions. Its brochure describes a full suite of services — portfolio management through adviser‑managed programs (Ally and Counsel), third‑party manager consulting (Partner), financial planning, retirement plan consulting, and access to annuities and alternative investments.

The firm distributes investment programs through its network of Advisory Representatives, who may manage accounts on a discretionary or non‑discretionary basis, select third‑party money managers, and use custodial platforms at Fidelity and Schwab. Osaic documents a range of investment methods (fundamental and technical analysis), uses third‑party platforms (Envestnet, LTAM, CAIS) for model and manager access, and discloses the ability to deliver ERISA fiduciary services including Section 3(38) investment manager arrangements.

Compared with many peers, Osaic’s brochure highlights several less common institutional relationships and corporate arrangements: it explicitly works with banking/thrift clients and other investment advisers, discloses an affiliation with CW Advisors (a pension/consulting affiliate) and details platform and referral arrangements such as the Osaic CapitalHub lending solution and CAIS alternative‑investment platform. The disclosure also describes ownership and strategic ties (indirect ownership by Reverence Capital Partners and minority economic interests related to platform providers) and the compensatory arrangements that arise from those affiliations.