{"url":"https://nivawealth.com/firms/cardinal-retirement-planning-166545","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/166545","regulatoryAum":127415483,"crd":"166545","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6022170","suffix":null,"lastName":"AMIS","firstName":"DOUGLAS","middleName":"VICTOR"},{"crd":"7283489","suffix":null,"lastName":"Custovic","firstName":"Anessa","middleName":null},{"crd":"6949226","suffix":null,"lastName":"Yocco","firstName":"Jacob","middleName":"Alexander"}],"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":"2025-06-16","regulatoryAum":111034058,"clients":97,"employees":3,"offices":3},{"filedOn":"2026-06-02","regulatoryAum":127415483,"clients":107,"employees":3,"offices":3}],"secFileNumber":"801-132974","legalName":"Cardinal Retirement Planning, Inc.","displayName":"Cardinal Retirement Planning","slug":"cardinal-retirement-planning-166545","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/cardinal-retirement-planning-inc/","founded":null,"organization":"North Carolina corporation","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"12 June 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":969916.5049504951,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":127415483,"discretionary":125367911,"discretionaryAccounts":249,"nonDiscretionary":2047572,"nonDiscretionaryAccounts":2,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":25},"clientTypes":[{"label":"Individuals (other than HNW)","clients":76,"regulatoryAum":25230141},{"label":"High-net-worth individuals","clients":25,"regulatoryAum":72731426},{"label":"Pension and profit-sharing plans","clients":1,"fewerThan5":true,"regulatoryAum":38469},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":160817},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":29254630}],"feePrograms":[{"role":"other","program":"ERISA plan services","summary":"Annual fees of up to 1% of the market value of the included plan assets, charged quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1046915","versionId":1046915,"submittedOn":"2026-06-02","documentName":"FORM ADV PART 2A & 2B SEC"},{"role":"other","program":"Ongoing financial planning and consulting","summary":"Negotiable flat fee: an initial upfront fee of $500 to $5,000 plus a quarterly recurring fee of $250 to $2,250.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1046915","versionId":1046915,"submittedOn":"2026-06-02","documentName":"FORM ADV PART 2A & 2B SEC"},{"role":"other","program":"Project-based financial planning","summary":"Hourly fee up to $350; 50% or $600, whichever is less, paid up front for one-time plans.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1046915","versionId":1046915,"submittedOn":"2026-06-02","documentName":"FORM ADV PART 2A & 2B SEC"},{"role":"other","program":"Variable annuity management","summary":"Fees of 0.50% of the contract value; minimum variable annuity account value of $25,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1046915","versionId":1046915,"submittedOn":"2026-06-02","documentName":"FORM ADV PART 2A & 2B SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:38:25.724231+00:00","documents":[{"name":"FORM ADV PART 2A & 2B SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1046915","versionId":1046915,"submittedOn":"2026-06-02"}]},"custodians":[{"name":"Charles Schwab Institutional","shortName":"Charles Schwab","location":"El Paso, TX","smaAssets":122458296}],"custodyNote":"Cardinal Retirement Planning has custody of $32.9M for 56 clients.","otherCustodians":[],"leadership":[{"name":"Douglas Amis","title":"President/Chief Compliance Officer","crd":"6022170"},{"name":"Anessa Custovic","title":"Investment Advisor Representative/Chief Investment Officer","crd":"7283489"}],"ownership":[{"label":"Douglas Amis","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since November 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":2},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"919-439-2114","stateRegisteredReps":3,"otherAdviserReps":1,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":60},{"label":"U.S. government/agency bonds","percent":25},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":7},{"label":"Cash and cash equivalents","percent":7}],"privateFunds":0},"sources":{"adv1FilingDate":"2 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/166545/PDF/166545.pdf","brochureDate":"2 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1046915","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 Cardinal Retirement Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cardinal Retirement Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Cardinal Retirement Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cardinal Retirement Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cardinal Retirement Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Cardinal Retirement Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cardinal Retirement Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Cardinal Retirement Planning?","answer":"Its phone number is 919-439-2114.","source":"Form ADV Part 1A, Item 1.F, filed 2 June 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."}