Coin and Seed Wealth Management Launches, Betting on Supported Independence

LEXINGTON, KY – December 29, 2025 – Financial advisor Harris Evans has officially launched Coin and Seed Wealth Management, a new independent firm built on a promise of personalized, client-centric financial guidance. The Lexington-based company enters a dynamic wealth management landscape, strategically aligning with industry support networks Thoroughbred Financial and Osaic to power its operations while maintaining its autonomy.

The launch reflects a significant and growing trend within the financial services industry: advisors breaking away from large, traditional wirehouses to establish their own practices. This move allows for greater control over the client experience and business direction, but it comes with the immense responsibility of managing compliance, technology, and day-to-day operations. Coin and Seed’s model aims to solve this dilemma by coupling independence with institutional-grade support.

The Rising Tide of Advisor Independence

The establishment of Coin and Seed Wealth Management is not an isolated event but a reflection of a broader industry-wide migration. According to recent studies, including the 2025 Independent Advisor Outlook from Schwab, the Registered Investment Advisor (RIA) model is experiencing robust growth. Thousands of experienced advisors are projected to change firms this year, many seeking the freedom and flexibility of the independent channel.

This shift is driven by a desire to build businesses that align more closely with personal values and a client-first ethos. Independent advisors often emphasize their ability to offer unbiased advice and a wider array of solutions, free from the proprietary product sales quotas that can exist at larger institutions. However, this independence brings challenges, including navigating a complex regulatory environment, absorbing the high costs of sophisticated technology, and competing against mega-RIAs with substantial marketing budgets.

For entrepreneurs like Harris Evans, the appeal lies in crafting a service model from the ground up. The press release announcing the launch states the firm is “founded on a client-first philosophy” and designed to help clients “make confident, long-term financial decisions.” This language taps directly into the core value proposition of the independent movement, where the depth of the advisor-client relationship is the primary metric of success.

Forging Strategic Alliances for a Competitive Edge

To navigate the challenges of independence, Coin and Seed has adopted a model of strategic partnership. The firm is affiliated with Thoroughbred Financial, an independent Office of Supervisory Jurisdiction (OSJ), and Osaic, one of the nation's largest networks for independent financial professionals. This two-tiered support system is designed to provide the infrastructure of a large corporation while preserving the agility of a boutique firm.

Thoroughbred Financial acts as a direct support layer, offering what it calls a “white glove approach” to compliance oversight, operational support, and strategic guidance. This allows advisors to focus on client relationships rather than getting mired in administrative and regulatory tasks. Chris Cantrell, Vice President at Thoroughbred Financial, expressed his enthusiasm in the announcement, highlighting the value of such partnerships in empowering new firms.

Beneath that, Osaic provides the foundational engine. Supporting over 10,500 financial professionals and serving over 4 million clients nationwide, Osaic offers a vast ecosystem of integrated technology, a broad range of investment solutions, and comprehensive business support. For a new firm like Coin and Seed, this access is critical. It provides immediate scale, enabling the firm to offer sophisticated tools for portfolio management, financial planning, and client relationship management that would otherwise be prohibitively expensive to develop in-house. This structure allows Harris Evans to maintain full ownership and control over his client book while leveraging billions of dollars in institutional investment in technology and compliance.

A Client-First Approach in a Crowded Lexington Market

Coin and Seed Wealth Management enters a well-established and competitive financial services market in Lexington, Kentucky. The area is home to a diverse array of wealth management firms, from local fee-only RIAs like MCF Advisors and R.L. Brown Wealth Management to branches of national players like Mariner. These firms serve a wide range of clients, including high-net-worth families, business owners, and institutions, each with its own differentiated service model.

Coin and Seed’s stated mission is to distinguish itself through “personalized guidance through a flexible, advisor-led model that prioritizes clarity, confidence, and direction.” This positions the firm to appeal to clients who may feel underserved by larger, more impersonal institutions or robo-advisory platforms. In an era where clients demand greater transparency and tailored advice, this focus on a deep, personal connection can be a powerful differentiator. The firm’s success will hinge on its ability to translate this philosophy into a tangible and superior client experience.

As Coin and Seed Wealth Management begins its journey, prospective clients will undertake the standard due diligence process of verifying professional credentials and regulatory history through public databases like FINRA's BrokerCheck, a common and recommended practice when engaging with any financial advisory firm. The firm’s ability to build trust will be paramount as it seeks to attract clients and establish its reputation in the community.

Navigating the Future of Financial Advice

The launch of Coin and Seed comes at a time of profound transformation in wealth management. Key trends shaping the industry will undoubtedly influence the new firm’s trajectory. The adoption of artificial intelligence and automation is redefining everything from portfolio analysis to client communication, and access to Osaic's advanced technology platform could provide a significant advantage.

Furthermore, the industry is on the cusp of the largest intergenerational wealth transfer in history. Successfully advising the next generation of clients, who often have different values and communication preferences, will be critical for long-term growth. Independent firms, with their inherent flexibility, are often seen as better positioned to adapt to these evolving client needs.

By launching an independent practice fortified by powerful strategic partnerships, Harris Evans is positioning Coin and Seed Wealth Management to capitalize on these shifts. The firm represents a modern approach to financial advice, blending the entrepreneurial spirit and personalized service of an independent advisor with the robust capabilities of established industry leaders. Its journey will be a case study in how advisors are navigating a new path forward, aiming to build lasting businesses centered on client trust and strategic collaboration.