Investment & Retirement Advisors provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Investment & Retirement Advisors reports 202 clients. They include 169 individual clients and 33 high-net-worth individuals. Of its assets, 100.0% ($139M across 584 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 84% | 38% |
| High-net-worth individuals | 16% | 62% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 169 | $52.4M | 37.8% | $310K |
| High-net-worth individuals | 33 | $86.2M | 62.2% | $2.61M |
| Total | 202 | $139M | 100% | $686K |
- Clients
- 169
- Regulatory AUM
- $52.4M
- AUM share
- 37.8%
- Avg. per client
- $310K
- Clients
- 33
- Regulatory AUM
- $86.2M
- AUM share
- 62.2%
- Avg. per client
- $2.61M
Total
- Clients
- 202
- Regulatory AUM
- $139M
- AUM share
- 100%
- Avg. per client
- $686K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Investment & Retirement Advisors 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 one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Fees are negotiable and set per engagement: hourly up to $400, flat fees up to $10,000, with 50% payable in advance on a fee-for-service plan.
Michael Hull owns 75% or more of Investment & Retirement Advisors. The leadership team of Investment & Retirement Advisors includes President Michael Hull. It has 3 employees, 1 of them in advisory roles.
Leadership
Michael HullPresident & Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 1 state-registered rep
- 1 insurance agent
- Owns 75% or more of Investment & Retirement Advisors, LLC
Michael Hull
Control person · since June 2004
Investment & Retirement Advisors’ regulatory assets grew from $128M (June 2024) to $139M (January 2026); clients fell from 264 to 202 and employees from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $139M | 202 | 3 | 1 |
| June 2025 | $118M | 245 | 3 | 1 |
| June 2024 | $128M | 264 | 4 | 1 |
Besides its headquarters, Investment & Retirement Advisors has 0 offices, with 1 listed address in Tennessee.
Tennessee · 1 listed address
- 215a Castlewood Drive, MurfreesboroHQ
Contact and registration details
- Legal name
- Investment & Retirement Advisors, LLC
- Headquarters
- 215a Castlewood Drive, Murfreesboro, TN 37129
- Website
- hullwealth.com
- Phone
- 615-896-1181
- SEC file
- 801-130723
- Structure
- Tennessee LLC
- Fiscal year end
- December
Investment & Retirement Advisors uses Fidelity ($139M) as custodian for its separately managed accounts. Investment & Retirement Advisors has custody of $12.5M in client assets for 25 clients.
- FidelityNational Financial Services LLC · Boston, MA · $139M100%
At year end, Investment & Retirement Advisors’ separately managed accounts were mostly in funds (76%) and stocks (21%).
What the accounts hold
- Stocks21%
- Exchange-traded equities20%
- Non-exchange-traded equities1%
- Funds76%
- Bonds4%
- Cash1%
How many clients does Investment & Retirement Advisors have?
Investment & Retirement Advisors has 202 clients and manages $139 million for them, as of January 2026. They include 169 individual clients and 33 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 January 2026
What services does Investment & Retirement Advisors offer?
Investment & Retirement Advisors 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
Which custodians does Investment & Retirement Advisors use?
Investment & Retirement Advisors’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $139M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 January 2026
How many financial advisors does Investment & Retirement Advisors have?
Investment & Retirement Advisors has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Investment & Retirement Advisors invest in?
At the end of its last fiscal year, Investment & Retirement Advisors’ separately managed accounts held 76% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 4% U.S. government and agency bonds, 1% non-exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Investment & Retirement Advisors?
Investment & Retirement Advisors’ direct owner is Michael Hull (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 9 January 2026
How does Investment & Retirement Advisors get paid?
Investment & Retirement Advisors 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
Is Investment & Retirement Advisors registered with the SEC?
Yes, Investment & Retirement Advisors has been registered with the SEC as an investment adviser since 23 July 2024. Its CRD number is 131741 and its SEC file number is 801-130723.
Source: Form ADV Part 1A, Item 1, filed 9 January 2026; IAPD firm record
How do I contact Investment & Retirement Advisors?
Investment & Retirement Advisors’ main office is at 215a Castlewood Drive, Murfreesboro, TN 37129. Its phone number is 615-896-1181. Its website is hullwealth.com.