Cardinal Retirement Planning provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 101–250 clients last fiscal year.
Cardinal Retirement Planning reports 107 clients. They include 76 individual clients, 25 high-net-worth individuals, and 4 corporations and other businesses. Of its assets, 98.4% ($125M across 249 accounts) are managed with discretion; $2.05M across 2 accounts are not. It advised 25 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 71% | 20% |
| High-net-worth individuals | 23% | 57% |
| Pension and profit-sharing plans | <1% | <1% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | 4% | 23% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 76 | $25.2M | 19.8% | $332K |
| High-net-worth individuals | 25 | $72.7M | 57.1% | $2.91M |
| Pension and profit-sharing plans | Fewer than 5 | $38.5K | 0.0% | $38.5K |
| Charitable organizations | Fewer than 5 | $161K | 0.1% | $161K |
| Corporations and other businesses | Fewer than 5 | $29.3M | 23.0% | $7.31M |
| Total | 107 | $127M | 100% | — |
- Clients
- 76
- Regulatory AUM
- $25.2M
- AUM share
- 19.8%
- Avg. per client
- $332K
- Clients
- 25
- Regulatory AUM
- $72.7M
- AUM share
- 57.1%
- Avg. per client
- $2.91M
- Clients
- Fewer than 5
- Regulatory AUM
- $38.5K
- AUM share
- 0.0%
- Avg. per client
- $38.5K
- Clients
- Fewer than 5
- Regulatory AUM
- $161K
- AUM share
- 0.1%
- Avg. per client
- $161K
- Clients
- Fewer than 5
- Regulatory AUM
- $29.3M
- AUM share
- 23.0%
- Avg. per client
- $7.31M
Total
- Clients
- 107
- Regulatory AUM
- $127M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 25
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Cardinal Retirement Planning is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- ERISA plan services
- Annual fees of up to 1% of the market value of the included plan assets, charged quarterly in arrears.
- Ongoing financial planning and consulting
- Negotiable flat fee: an initial upfront fee of $500 to $5,000 plus a quarterly recurring fee of $250 to $2,250.
- Project-based financial planning
- Hourly fee up to $350; 50% or $600, whichever is less, paid up front for one-time plans.
- Variable annuity management
- Fees of 0.50% of the contract value; minimum variable annuity account value of $25,000.
Douglas Amis owns 75% or more of Cardinal Retirement Planning. The leadership team of Cardinal Retirement Planning includes President Douglas Amis and Chief Investment Officer Anessa Custovic. It has 3 employees.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 2 insurance agents
- Owns 75% or more of Cardinal Retirement Planning, Inc.
Douglas Amis
Control person · since November 2016
Cardinal Retirement Planning’s regulatory assets grew from $111M (June 2025) to $127M (June 2026); clients rose from 97 to 107 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $127M | 107 | 3 | 3 |
| Jun 2025June 2025 | $111M | 97 | 3 | 3 |
Besides its headquarters, Cardinal Retirement Planning has 2 offices (2 private residences, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Cardinal Retirement Planning, Inc.
- Headquarters
- Not reported
- Website
- Not reported
- Phone
- 919-439-2114
- SEC file
- 801-132974
- Structure
- North Carolina corporation
- Fiscal year end
- December
Cardinal Retirement Planning’s named custodian for separately managed accounts is Charles Schwab ($122M). Cardinal Retirement Planning has custody of $32.9M for 56 clients.
- Charles SchwabCharles Schwab Institutional · El Paso, TX · $122M100%
At year end, Cardinal Retirement Planning’s separately managed accounts were mostly in stocks (60%) and bonds (26%).
What the accounts hold
- Stocks60%
- Funds7%
- Bonds26%
- U.S. government and agency bonds25%
- Investment grade corporate bonds1%
- Cash7%
How many clients does Cardinal Retirement Planning have?
Cardinal Retirement Planning has 107 clients and manages $127 million for them, as of June 2026. They include 76 individual clients, 25 high-net-worth individuals, and 4 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 June 2026
What services does Cardinal Retirement Planning offer?
Cardinal Retirement Planning provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Cardinal Retirement Planning use?
Cardinal Retirement Planning’s separately managed account assets are held at Charles Schwab Institutional (El Paso, TX), with $122M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 June 2026
How many financial advisors does Cardinal Retirement Planning have?
Cardinal Retirement Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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
What does Cardinal Retirement Planning invest in?
At the end of its last fiscal year, Cardinal Retirement Planning’s separately managed accounts held 60% exchange-traded equities, 25% U.S. government and agency bonds, 7% registered funds (mutual funds, ETFs, BDCs), 7% cash and equivalents and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cardinal Retirement Planning?
Cardinal Retirement Planning’s direct owner is Douglas Amis (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 2 June 2026
How does Cardinal Retirement Planning get paid?
Cardinal Retirement Planning is paid through a percentage of assets under management, hourly charges and fixed fees. 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
How do I contact Cardinal Retirement Planning?
Its phone number is 919-439-2114.
