{"url":"https://nivawealth.com/firms/assured-retirement-financial-group-179516","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/179516","regulatoryAum":241013112,"crd":"179516","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7225216","suffix":null,"lastName":"Nelson-LaMott","firstName":"Jacqueline","middleName":"Ann"},{"crd":"6316933","suffix":null,"lastName":"OLDRE","firstName":"VINCENT","middleName":"LOMBARDI"},{"crd":"2408225","suffix":null,"lastName":"STENDAHL","firstName":"MICHAEL","middleName":null}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-03-15","regulatoryAum":123422168,"clients":269,"employees":3,"offices":1},{"filedOn":"2025-06-09","regulatoryAum":181849897,"clients":367,"employees":5,"offices":1},{"filedOn":"2026-03-29","regulatoryAum":241013112,"clients":541,"employees":7,"offices":1}],"secFileNumber":"801-129292","legalName":"Assured Retirement Financial Group, Inc.","displayName":"Assured Retirement Financial Group","slug":"assured-retirement-financial-group-179516","website":"https://cfgretirement.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Minnesota corporation","fiscalYearEnd":"December","headquarters":{"street":"4550 W 77th Street, Suite #380","city":"Edina","state":"MN","stateName":"Minnesota","country":"United States","postalCode":"55435"},"tradeNames":[],"registration":{"secApproved":"3 January 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":445495.58595194086,"staff":{"employees":7,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":1},"aum":{"regulatory":241013112,"discretionary":241013112,"discretionaryAccounts":526,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":382,"regulatoryAum":96934853},{"label":"High-net-worth individuals","clients":159,"regulatoryAum":144078259}],"feePrograms":[{"role":"main","program":"Asset management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030551","versionId":1030551,"ratePeriod":"annual","fee_billing":null,"submittedOn":"2026-03-29","documentName":"ADV PART 2A & 2B SEC","fee_rate_low":0.3,"fee_rate_high":1.2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:10:28.715005+00:00","documents":[{"name":"ADV PART 2A & 2B SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030551","versionId":1030551,"submittedOn":"2026-03-29"}]},"custodians":[{"name":"Fidelity Distributors Company LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":154646646},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":49298713},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":37068753}],"custodyNote":"Assured Retirement Financial Group does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Vincent Oldre","title":"President/CCO","crd":"6316933"}],"ownership":[{"label":"Vincent Oldre","detail":"President/cco in the 75% or more ownership band and a control person, since April 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Minnesota","offices":1,"addresses":[{"street":"4550 W 77th Street, Suite #380","city":"Edina","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"952-657-7470","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"U.S. government/agency bonds","percent":27},{"label":"U.S. state and local bonds","percent":3},{"label":"Investment grade corporate bonds","percent":15},{"label":"Securities issued by registered investment companies or business development companies","percent":45},{"label":"Cash and cash equivalents","percent":5},{"label":"Other","percent":5,"detail":"Structured Bank Notes"}],"privateFunds":0},"sources":{"adv1FilingDate":"29 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/179516/PDF/179516.pdf","brochureDate":"29 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030551","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Assured Retirement Financial Group have?","answer":"Assured Retirement Financial Group has 541 clients and manages $241 million for them, as of March 2026. They include 382 individual clients and 159 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 29 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Assured Retirement Financial Group offer?","answer":"Assured Retirement Financial Group provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Assured Retirement Financial Group charge?","answer":"Assured Retirement Financial Group charges 0.30%–1.20% a year for its Asset management. The fee is negotiable.","source":"ADV PART 2A & 2B SEC, filed 29 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Assured Retirement Financial Group use?","answer":"Assured Retirement Financial Group’s separately managed account assets are held at Fidelity Distributors Company LLC (Smithfield, RI), with $155M, Charles Schwab & Co., Inc. (San Francisco, CA), with $49.3M and Altruist Financial LLC (Culver City, CA), with $37.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Assured Retirement Financial Group have?","answer":"Assured Retirement Financial Group has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Assured Retirement Financial Group invest in?","answer":"At the end of its last fiscal year, Assured Retirement Financial Group’s separately managed accounts held 45% registered funds (mutual funds, ETFs, BDCs), 27% U.S. government and agency bonds, 15% investment grade corporate bonds, 5% cash and equivalents, 5% other and 3% state and local bonds. The 5% other category is described as: Structured Bank Notes.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Assured Retirement Financial Group?","answer":"Assured Retirement Financial Group’s direct owner is Vincent Oldre (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 29 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Assured Retirement Financial Group get paid?","answer":"Assured Retirement Financial Group is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Assured Retirement Financial Group?","answer":"Assured Retirement Financial Group’s main office is at 4550 W 77th Street, Suite #380, Edina, MN 55435. Its phone number is 952-657-7470. Its website is cfgretirement.com.","source":"Form ADV Part 1A, Item 1.F, filed 29 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}