{"url":"https://nivawealth.com/firms/ideal-retirement-solutions-333393","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/333393","regulatoryAum":123519511,"crd":"333393","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6821309","suffix":null,"lastName":"Cyr","firstName":"Corey","middleName":"J"},{"crd":"7517224","suffix":null,"lastName":"Long","firstName":"Scott","middleName":"John"},{"crd":"6481613","suffix":null,"lastName":"TAMAS","firstName":"JEFFREY","middleName":"JOZSEF"}],"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"},"secFileNumber":"801-134255","legalName":"Ideal Retirement Solutions, LLC","displayName":"Ideal Retirement Solutions","slug":"ideal-retirement-solutions-333393","website":"https://idealretirementsolutions.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/333393/60ad674bd7871c79-r1.webp","tone":"light","width":681,"height":200,"sourceUrl":"https://idealretirementsolutions.com/","sourceLabel":"Ideal Retirement Solutions, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"17896 Toledo Blade BLVD","city":"Port Charlotte","state":"FL","stateName":"Florida","country":"United States","postalCode":"33948"},"tradeNames":[],"registration":{"secApproved":"4 September 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":397168.845659164,"staff":{"employees":8,"advisory":4,"brokerDealerReps":0,"insuranceAgents":4,"promoters":0},"aum":{"regulatory":123519511,"discretionary":123519511,"discretionaryAccounts":594,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":214,"regulatoryAum":51321368},{"label":"High-net-worth individuals","clients":97,"regulatoryAum":72198143}],"feePrograms":[{"role":"main","program":"Portfolio Management Fees","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043536","versionId":1043536,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-04-30","documentName":"FORM ADV PART 2A - IDEAL RETIREMENT SOLUTIONS","fee_rate_low":1.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Estate Document Planning","summary":"Estate planning coordination fees generally range between $0 and $2,499, are charged separately from advisory fees, and are generally negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043536","versionId":1043536,"submittedOn":"2026-04-30","documentName":"FORM ADV PART 2A - IDEAL RETIREMENT SOLUTIONS"},{"role":"other","program":"Wealth.com Subscription Services","summary":"Subscription fees are generally expected to be about $40 per month or $200 semi-annually, separate from advisory fees and generally negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043536","versionId":1043536,"submittedOn":"2026-04-30","documentName":"FORM ADV PART 2A - IDEAL RETIREMENT SOLUTIONS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:52:47.866221+00:00","documents":[{"name":"FORM ADV PART 2A - IDEAL RETIREMENT SOLUTIONS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043536","versionId":1043536,"submittedOn":"2026-04-30"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":119116852}],"custodyNote":"Ideal Retirement Solutions does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Corey Cyr","title":"Managing Member and Chief Compliance Officer","crd":"6821309"},{"name":"Jeffrey Tamas","title":"Managing Members","crd":"6481613"}],"ownership":[{"label":"Corey Cyr","detail":"Managing member and chief compliance officer in the 50% to 75% ownership band and a control person, since June 2019."},{"label":"Jeffrey Tamas","detail":"Managing members in the 50% to 75% ownership band and a control person, since June 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":3,"addresses":[{"street":"17896 Toledo Blade BLVD","city":"Port Charlotte","headquarters":true},{"street":"8791 Conference DR.","city":"Fort Myers"},{"street":"6901 Professional Parkway E","city":"Sarasota"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"941-876-8985","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":55},{"label":"Investment grade corporate bonds","percent":5},{"label":"Derivatives","percent":15},{"label":"Securities issued by registered investment companies or business development companies","percent":21},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"30 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/333393/PDF/333393.pdf","brochureDate":"30 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043536","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 Ideal Retirement Solutions have?","answer":"Ideal Retirement Solutions has 311 clients and manages $124 million for them, as of April 2026. They include 214 individual clients and 97 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ideal Retirement Solutions offer?","answer":"Ideal Retirement Solutions provides 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 Ideal Retirement Solutions charge?","answer":"Ideal Retirement Solutions charges 1.50% a year for its Portfolio Management Fees. The fee is billed in arrears and is negotiable.","source":"FORM ADV PART 2A - IDEAL RETIREMENT SOLUTIONS, filed 30 April 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ideal Retirement Solutions use?","answer":"Ideal Retirement Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $119M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ideal Retirement Solutions have?","answer":"Ideal Retirement Solutions has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 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 Ideal Retirement Solutions invest in?","answer":"At the end of its last fiscal year, Ideal Retirement Solutions’ separately managed accounts held 55% exchange-traded equities, 21% registered funds (mutual funds, ETFs, BDCs), 15% derivatives, 5% investment grade corporate bonds and 4% cash and equivalents.","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 Ideal Retirement Solutions?","answer":"Ideal Retirement Solutions’ direct owners are Corey Cyr (50% to 75%) and Jeffrey Tamas (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ideal Retirement Solutions get paid?","answer":"Ideal Retirement Solutions is paid through a percentage of assets under management. 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 Ideal Retirement Solutions?","answer":"Ideal Retirement Solutions’ main office is at 17896 Toledo Blade BLVD, Port Charlotte, FL 33948. Its phone number is 941-876-8985. Its website is idealretirementsolutions.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 April 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."}