Wednesday, October 21, 2026The Morning EditionOpen AtlasSign inJoin free
FinancialADVSR

Est. 2026The front page of wealth managementNew York

The Morning EditionFree · 6:30 AM ETSubscribe
IN SpaceX’s AI segment now drives more than half its revenue. Here’s what advisors should watch nextFP Why AI might recommend your competitor instead of youFP Why clients are choosing phased retirement — and what advisors should know4K SPARK Forum Offering Scholarships for Retirement Plan AdvisorsFP What Schwab's new ETF platform fees mean for clients, advisorsWM RIA Platform Leaders Ask ‘What’s the Advantage in Having Your Own Form ADV?’IN Fake e-vite phishing scams put high-net-worth clients at riskRB Rick Wurster says Schwab is tackling its forced rationing of long/short SMAs with proprietary 'offering' to stretch balance sheet, but it may be more about a fee upside, a long/short manager saysIN Fintech bytes: 55ip, Vise, Syntax push tax-smart tools for RIAsWM $20B Modera Wealth Management Launches AI Operating Platform

RIA comparison · SEC Form ADV

United Capital Financial Advisors vs Oxford Financial Group, LTD

Two independent wealth managers side by side: assets, clients, staff, services and fees, from each firm’s own filing.

The short answer

United Capital Financial Advisors is the larger of the two, with $25B in regulatory assets to $23B at Oxford Financial Group, LTD, 6% more than its rival, by their latest Form ADV filings. United Capital Financial Advisors reports more individual clients (24,837 vs 589), while Oxford Financial Group, LTD’s clients hold more on average (about $24 million each against $830,000). United Capital Financial Advisors is based in Irving, Texas and Oxford Financial Group, LTD in Carmel, Indiana.

FigureUnited Capital Financial AdvisorsOxford Financial Group, LTD
Regulatory AUM$25B$23B
National rank#41#43
HeadquartersIrving, TexasCarmel, Indiana
Individual clients24,837589
High-net-worth clients1,937551
Average client assets$830,000$24 million
Accounts45,1066,593
Discretionary91% of AUM49% of AUM
Employees289156
Advisory staff16236
Clients per advisory employee15316
Offices477
Form ADV filed2026-06-152026-07-09

United Capital Financial Advisors

Full profile →

Services

  • Financial planning
  • Portfolio management for individuals and small businesses
  • Portfolio management for businesses and institutions
  • Pension consulting
  • Selecting other advisers
  • Periodicals or newsletters
  • Educational seminars and workshops
  • Other services

How it’s paid

  • A percentage of assets under management
  • Hourly charges
  • Fixed fees

Oxford Financial Group, LTD

Full profile →

Services

  • Financial planning
  • Portfolio management for individuals and small businesses
  • Portfolio management for pooled investment vehicles
  • Portfolio management for businesses and institutions
  • Pension consulting
  • Selecting other advisers

How it’s paid

  • A percentage of assets under management
  • Fixed fees

Questions

Which is bigger, United Capital Financial Advisors or Oxford Financial Group, LTD?

United Capital Financial Advisors, with $25B in regulatory assets under management against $23B at Oxford Financial Group, LTD. Nationally they rank #41 and #43 among 5,657 independent wealth management RIAs.

How many clients do United Capital Financial Advisors and Oxford Financial Group, LTD have?

United Capital Financial Advisors reports 24,837 individual clients (1,937 high-net-worth) with 162 advisory employees; Oxford Financial Group, LTD reports 589 (551 high-net-worth) with 36 advisory employees.

How do United Capital Financial Advisors and Oxford Financial Group, LTD charge clients?

Only United Capital Financial Advisors lists hourly charges on Form ADV. Fee schedules and minimums are in each firm’s Form ADV Part 2A brochure.

What services do United Capital Financial Advisors and Oxford Financial Group, LTD offer?

United Capital Financial Advisors lists periodicals or newsletters; educational seminars and workshops; other services, which Oxford Financial Group, LTD does not. Oxford Financial Group, LTD lists portfolio management for pooled investment vehicles, which United Capital Financial Advisors does not. Both offer financial planning; portfolio management for individuals and small businesses; portfolio management for businesses and institutions; pension consulting; selecting other advisers.

More comparisons

Where these numbers come from

Every figure is the firm’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Average client assets divide the assets held for individual and high-net-worth clients by their number. Ranks compare each firm with all US-based independent wealth management RIAs, the same field as The Largest RIAs. Figures can lag recent deals and market moves.

Not an endorsement or a recommendation of either firm. Before hiring an adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search: United Capital Financial Advisors ↗, Oxford Financial Group, LTD ↗. How to check a financial advisor →