{"url":"https://nivawealth.com/firms/main-street-retirement-planning-313051","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/313051","regulatoryAum":716585273,"crd":"313051","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2022048","suffix":null,"lastName":"Dragon","firstName":"Elias","middleName":"Robert"},{"crd":"6891199","suffix":null,"lastName":"Dragon","firstName":"Jennifer","middleName":"Ann"},{"crd":"7238969","suffix":null,"lastName":"KREHEL","firstName":"MARK","middleName":"JOSEPH"}],"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":"2022-06-23","regulatoryAum":623935559,"clients":1110,"employees":3,"offices":1},{"filedOn":"2023-02-15","regulatoryAum":582068438,"clients":1097,"employees":3,"offices":1},{"filedOn":"2024-03-06","regulatoryAum":613041095,"clients":1097,"employees":3,"offices":1},{"filedOn":"2025-02-05","regulatoryAum":694603429,"clients":1141,"employees":3,"offices":1},{"filedOn":"2026-03-02","regulatoryAum":716585273,"clients":1688,"employees":3,"offices":1}],"secFileNumber":"801-122041","legalName":"Main Street Retirement Planning, LLC","displayName":"Main Street Retirement Planning","slug":"main-street-retirement-planning-313051","website":"https://mainstreetretirement.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/313051/fae48a7061b20447-r1.webp","tone":"dark","width":455,"height":200,"sourceUrl":"https://mainstreetretirement.com/","sourceLabel":"Main Street Retirement Planning, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://linkedin.com/company/mainstreetretirement","founded":null,"organization":"Texas limited liability company","fiscalYearEnd":"December","headquarters":{"street":"779 W Main Street","city":"Coppell","state":"TX","stateName":"Texas","country":"United States","postalCode":"75019"},"tradeNames":[],"registration":{"secApproved":"18 October 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":424517.34182464454,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":716585273,"discretionary":716585273,"discretionaryAccounts":2927,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":1543,"regulatoryAum":448472770},{"label":"High-net-worth individuals","clients":145,"regulatoryAum":268112503}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"whole_balance","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001963","versionId":1001963,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-01-15","documentName":"ADV PART 2","fee_rate_low":1.25,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T07:45:03.118663+00:00","documents":[{"name":"ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001963","versionId":1001963,"submittedOn":"2026-01-15"}]},"custodians":[{"name":"SEI Private Trust","shortName":"SEI Private Trust","location":"Oaks, PA","smaAssets":716585273}],"custodyNote":"Main Street Retirement Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Elias Dragon","title":"Chief Compliance Officer/Chief Financial Officer/Owner","crd":"2022048"},{"name":"Jennifer Dragon","title":"Chief Operating Officer","crd":"6891199"},{"name":"Mark Krehel","title":"Chief Technical Officer","crd":"7238969"}],"ownership":[{"label":"Elias Dragon","detail":"Chief compliance officer/chief financial officer/owner in the 50% to 75% ownership band and a control person, since February 2021. Also trustee of Elias Thomas Dragon Irrevocable Trust and a control person, since February 2021."},{"label":"Elias Thomas Dragon Irrevocable Trust","detail":"Owner in the 10% to 25% ownership band, since February 2021."},{"label":"Elias Thomas Dragon","detail":"Owner in the 10% to 25% ownership band, since February 2021."},{"label":"Jessica Marie Krehel Irrevocable Trust","detail":"Owner in the 10% to 25% ownership band, since February 2021."},{"label":"Jessica Marie Krehel","detail":"Owner in the 10% to 25% ownership band, since February 2021."},{"label":"Jennifer Ann Dragon Irrevocable Trust","detail":"Owner in the 10% to 25% ownership band, since February 2021."},{"label":"Jennifer Ann Dragon","detail":"Owner in the 10% to 25% ownership band, since February 2021."},{"label":"Jennifer Dragon","detail":"Indirect owner: trustee of Jennifer Ann Dragon Irrevocable Trust and a control person, since February 2021.","parent":"Jennifer Ann Dragon Irrevocable Trust"},{"label":"Jessica Krehel","detail":"Indirect owner: trustee of Jessica Marie Krehel Irrevocable Trust and a control person, since February 2021.","parent":"Jessica Marie Krehel Irrevocable Trust"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Texas","offices":1,"addresses":[{"street":"779 W Main Street","city":"Coppell","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"972-393-0376","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses"],"financialPlanningClients":null,"assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":99},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"2 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/313051/PDF/313051.pdf","brochureDate":"15 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001963","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 Main Street Retirement Planning have?","answer":"Main Street Retirement Planning has 1,688 clients and manages $717 million for them, as of March 2026. They include 1,543 individual clients and 145 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Main Street Retirement Planning offer?","answer":"Main Street Retirement Planning provides portfolio management for individuals and small businesses.","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 Main Street Retirement Planning charge?","answer":"Main Street Retirement Planning charges 1.25% a year for its Portfolio Management Services. The whole portfolio is charged at the rate of its band. The fee is billed in arrears and is negotiable.","source":"ADV PART 2, filed 15 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Main Street Retirement Planning use?","answer":"Main Street Retirement Planning’s separately managed account assets are held at SEI Private Trust (Oaks, PA), with $717M. 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 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Main Street Retirement Planning have?","answer":"Main Street 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 3 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 Main Street Retirement Planning invest in?","answer":"At the end of its last fiscal year, Main Street Retirement Planning’s separately managed accounts held 99% registered funds (mutual funds, ETFs, BDCs) 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 Main Street Retirement Planning?","answer":"Main Street Retirement Planning’s direct owners are Elias Dragon (50% to 75%), Elias Thomas Dragon Irrevocable Trust (10% to 25%), Elias Thomas Dragon (10% to 25%), Jessica Marie Krehel Irrevocable Trust (10% to 25%), Jessica Marie Krehel (10% to 25%), Jennifer Ann Dragon Irrevocable Trust (10% to 25%) and Jennifer Ann Dragon (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Main Street Retirement Planning get paid?","answer":"Main Street Retirement Planning 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 Main Street Retirement Planning?","answer":"Main Street Retirement Planning’s main office is at 779 W Main Street, Coppell, TX 75019. Its phone number is 972-393-0376. Its website is mainstreetretirement.com.","source":"Form ADV Part 1A, Item 1.F, filed 2 March 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."}