{"url":"https://nivawealth.com/firms/investment-and-retirement-advisors-131741","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/131741","regulatoryAum":138633720,"crd":"131741","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6070728","suffix":null,"lastName":"CUNEO","firstName":"LORI","middleName":"ANNE"},{"crd":"1439677","suffix":null,"lastName":"HULL","firstName":"MICHAEL","middleName":"JOHN"}],"total":2,"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":"2024-06-20","regulatoryAum":127969557,"clients":264,"employees":4,"offices":1},{"filedOn":"2025-06-23","regulatoryAum":117547615,"clients":245,"employees":3,"offices":1},{"filedOn":"2026-01-09","regulatoryAum":138633720,"clients":202,"employees":3,"offices":1}],"secFileNumber":"801-130723","legalName":"Investment & Retirement Advisors, LLC","displayName":"Investment & Retirement Advisors","slug":"investment-and-retirement-advisors-131741","website":"https://hullwealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Tennessee limited liability company","fiscalYearEnd":"December","headquarters":{"street":"215a Castlewood Drive","city":"Murfreesboro","state":"TN","stateName":"Tennessee","country":"United States","postalCode":"37129"},"tradeNames":[],"registration":{"secApproved":"23 July 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":686305.5445544554,"staff":{"employees":3,"advisory":1,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":138633720,"discretionary":138633720,"discretionaryAccounts":584,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":169,"regulatoryAum":52418301},{"label":"High-net-worth individuals","clients":33,"regulatoryAum":86215419}],"feePrograms":[{"role":"other","program":"Financial planning and consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1000951","versionId":1000951,"submittedOn":"2026-01-09","documentName":"INVESTMENT & RETIREMENT ADVISORS DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T13:07:50.031051+00:00","documents":[{"name":"INVESTMENT & RETIREMENT ADVISORS DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1000951","versionId":1000951,"submittedOn":"2026-01-09"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":138633720}],"custodyNote":"Investment & Retirement Advisors has custody of $12.5M in client assets for 25 clients.","leadership":[{"name":"Michael Hull","title":"President & Chief Compliance Officer","crd":"1439677"}],"ownership":[{"label":"Michael Hull","detail":"President & chief compliance officer in the 75% or more ownership band and a control person, since June 2004."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Tennessee","offices":1,"addresses":[{"street":"215a Castlewood Drive","city":"Murfreesboro","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"615-896-1181","stateRegisteredReps":1,"otherAdviserReps":0,"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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":4},{"label":"Securities issued by registered investment companies or business development companies","percent":76},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"9 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/131741/PDF/131741.pdf","brochureDate":"9 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1000951","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 Investment & Retirement Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Investment & Retirement Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Investment & Retirement Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Investment & Retirement Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Investment & Retirement Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Investment & Retirement Advisors?","answer":"Investment & Retirement Advisors’ direct owner is Michael Hull (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 9 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Investment & Retirement Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Investment & Retirement Advisors registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Investment & Retirement Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 9 January 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."}