{"url":"https://nivawealth.com/firms/pension-consultants-113914","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/113914","regulatoryAum":5423950320,"crd":"113914","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2020476","suffix":null,"lastName":"ALLEN","firstName":"BRIAN","middleName":"DAVID"},{"crd":"6376646","suffix":null,"lastName":"ALLEN","firstName":"ZACHARY","middleName":"H"},{"crd":"7405605","suffix":null,"lastName":"Angus","firstName":"Elizabeth","middleName":null},{"crd":"8035384","suffix":null,"lastName":"Hutchison","firstName":"Michaela","middleName":null},{"crd":"8168101","suffix":null,"lastName":"McGuire","firstName":"Eric","middleName":"D"},{"crd":"2654637","suffix":null,"lastName":"THIXTON","firstName":"CHRISTOPHER","middleName":"RONALD"}],"total":6,"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":"2021-04-30","regulatoryAum":4383801274,"clients":96,"employees":20,"offices":2},{"filedOn":"2022-07-01","regulatoryAum":5082616561,"clients":98,"employees":19,"offices":2},{"filedOn":"2023-02-15","regulatoryAum":4270640808,"clients":94,"employees":18,"offices":2},{"filedOn":"2024-03-07","regulatoryAum":4446659856,"clients":89,"employees":20,"offices":3},{"filedOn":"2025-03-03","regulatoryAum":4921817688,"clients":89,"employees":18,"offices":3},{"filedOn":"2026-10-01","regulatoryAum":5423950320,"clients":88,"employees":16,"offices":3}],"secFileNumber":"801-56704","legalName":"Pension Consultants Inc","displayName":"Pension Consultants","slug":"pension-consultants-113914","website":"https://pension-consultants.com/","classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_asset_manager","typeLabel":"Asset manager","feeDisclosure":"payment_only"},"linkedinUrl":"https://www.linkedin.com/company/pension-consultants-inc/","founded":null,"organization":"Missouri corporation","fiscalYearEnd":"December","headquarters":{"street":"300 South Campbell Ave.","city":"Springfield","state":"MO","stateName":"Missouri","country":"United States","postalCode":"65806"},"tradeNames":[],"registration":{"secApproved":"23 July 1999","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1542768.5789473683,"staff":{"employees":16,"advisory":6,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":5423950320,"discretionary":2511333334,"discretionaryAccounts":135,"nonDiscretionary":2912616986,"nonDiscretionaryAccounts":20,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":6},"clientTypes":[{"label":"Individuals (other than HNW)","clients":23,"regulatoryAum":12071688},{"label":"High-net-worth individuals","clients":15,"regulatoryAum":46553518},{"label":"Pension and profit-sharing plans","clients":50,"regulatoryAum":5365325114}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Empower Trust Company, LLC","shortName":"Empower","location":"Greenwood Village, CO","smaAssets":905087997},{"name":"John Hancock Trust Company","shortName":"John Hancock Trust","location":"Westwood, MA","smaAssets":753267531},{"name":"Broadridge Matrix Trust Company","shortName":"Broadridge Matrix Trust","location":"Denver, CO","smaAssets":1813771083}],"custodyNote":"Pension Consultants does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Zachary Allen","title":"Chief Executive Officer and Chief Investment Officer","crd":"6376646"},{"name":"Elizabeth Angus","title":"Chief Compliance Officer","crd":"7405605"},{"name":"Brian Allen","title":"Founder and Chairman","crd":"2020476"},{"name":"Christopher Thixton","title":"Principal","crd":"2654637"}],"ownership":[{"label":"Brian Allen","detail":"Founder and chairman in the 25% to 50% ownership band and a control person, since July 2025."},{"label":"Christopher Thixton","detail":"Principal in the 10% to 25% ownership band, since December 2017."},{"label":"Zachary Allen","detail":"Chief executive officer and chief investment officer in the 25% to 50% ownership band and a control person, since July 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"Missouri","offices":3,"addresses":[{"street":"300 South Campbell Ave.","city":"Springfield","headquarters":true},{"street":"1111 McIntosh Cir","city":"Joplin"},{"street":"3801 S National Ave","city":"Springfield"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"417-889-4918","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Performance-based fees","Other"],"activities":["Portfolio management for individuals and/or small businesses","Pension consulting services","Publication of periodicals or newsletters","Educational seminars/workshops","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":85},{"label":"Cash and cash equivalents","percent":11}],"privateFunds":0},"sources":{"adv1FilingDate":"1 October 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/113914/PDF/113914.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Pension Consultants have?","answer":"Pension Consultants has 88 clients and manages $5.42 billion for them, as of October 2026. They include 50 pension and profit-sharing plans, 23 individual clients, and 15 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Pension Consultants offer?","answer":"Pension Consultants provides portfolio management for individuals and small businesses, pension consulting, publishing newsletters, and educational seminars.","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 Pension Consultants use?","answer":"Pension Consultants’ separately managed account assets are held at Broadridge Matrix Trust Company (Denver, CO), with $1.81B, Empower Trust Company, LLC (Greenwood Village, CO), with $905M and John Hancock Trust Company (Westwood, MA), with $753M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Pension Consultants have?","answer":"Pension Consultants has 6 investment adviser representatives registered with state securities authorities, out of 16 employees, and 6 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Pension Consultants invest in?","answer":"At the end of its last fiscal year, Pension Consultants’ separately managed accounts held 85% registered funds (mutual funds, ETFs, BDCs), 11% cash and equivalents, 2% U.S. government and agency bonds, 1% exchange-traded equities and 1% state and local 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 Pension Consultants?","answer":"Pension Consultants’ direct owners are Brian Allen, Christopher Thixton and Zachary Allen, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Pension Consultants get paid?","answer":"Pension Consultants is paid through a percentage of assets under management, hourly charges, fixed fees, performance-based fees and other compensation. Its Form ADV lists no commissions 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 Pension Consultants?","answer":"Pension Consultants’ main office is at 300 South Campbell Ave., Springfield, MO 65806. Its phone number is 417-889-4918. Its website is pension-consultants.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 October 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."}