{"url":"https://nivawealth.com/firms/retire-ready-wealth-management-316942","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/316942","regulatoryAum":100099000,"crd":"316942","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"3021100","suffix":null,"lastName":"CIPRIOTTI","firstName":"JAMES","middleName":"VINCENT"}],"total":1,"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":"801-136027","legalName":"Retire Ready Wealth Management, LLC","displayName":"Retire Ready Wealth Management","slug":"retire-ready-wealth-management-316942","website":"https://retirereadyfg.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/retire-ready-financial-group-llc/","founded":null,"organization":"Pennsylvania limited liability company","fiscalYearEnd":"December","headquarters":{"street":"150 North Radnor Chester Road, Suite F-200","city":"Radnor","state":"PA","stateName":"Pennsylvania","country":"United States","postalCode":"19087"},"tradeNames":[],"registration":{"secApproved":"28 April 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":187100.93457943926,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":100099000,"discretionary":100099000,"discretionaryAccounts":535,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":524,"regulatoryAum":83007527},{"label":"High-net-worth individuals","clients":11,"regulatoryAum":17091473}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029272","versionId":1029272,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-27","documentName":"RRWM ADV PART 2A","fee_rate_low":1.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":100000,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:05:08.409866+00:00","documents":[{"name":"RRWM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029272","versionId":1029272,"submittedOn":"2026-03-27"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Boston, MA","smaAssets":100099000}],"custodyNote":"Retire Ready Wealth Management does not have custody of client assets.","leadership":[{"name":"James Cipriotti","title":"Managing Principal / CCO","crd":"3021100"}],"ownership":[{"label":"James Cipriotti","detail":"Managing principal / cco in the 75% or more ownership band and a control person, since April 2021."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"New Jersey","offices":1,"addresses":[{"street":"One Greentree Center","city":"Marlton"}]},{"state":"Pennsylvania","offices":1,"addresses":[{"street":"150 North Radnor Chester Road, Suite F-200","city":"Radnor","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"610-727-1727","stateRegisteredReps":1,"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":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":86},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":9},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"27 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/316942/PDF/316942.pdf","brochureDate":"27 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029272","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 Retire Ready Wealth Management have?","answer":"Retire Ready Wealth Management has 535 clients and manages $100 million for them, as of March 2026. They include 524 individual clients and 11 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retire Ready Wealth Management offer?","answer":"Retire Ready Wealth Management 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 Retire Ready Wealth Management charge?","answer":"Retire Ready Wealth Management charges 1.50% a year for its Asset Management. The fee is billed in arrears, is negotiable and requires an account of at least $100,000.","source":"RRWM ADV PART 2A, filed 27 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Retire Ready Wealth Management use?","answer":"Retire Ready Wealth Management’s separately managed account assets are held at Fidelity Investments (Boston, MA), with $100M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retire Ready Wealth Management have?","answer":"Retire Ready Wealth Management has 1 investment adviser representative registered with state securities authorities, out of 1 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 Retire Ready Wealth Management invest in?","answer":"At the end of its last fiscal year, Retire Ready Wealth Management’s separately managed accounts held 86% exchange-traded equities, 9% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).","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":"Does Retire Ready Wealth Management have a minimum investment?","answer":"Yes, Retire Ready Wealth Management’s minimum account size for its Asset Management is $100K.","source":"RRWM ADV PART 2A, filed 27 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Retire Ready Wealth Management?","answer":"Retire Ready Wealth Management’s direct owner is James Cipriotti (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retire Ready Wealth Management get paid?","answer":"Retire Ready Wealth Management 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":"Is Retire Ready Wealth Management registered with the SEC?","answer":"Yes, Retire Ready Wealth Management has been registered with the SEC as an investment adviser since 28 April 2026. Its CRD number is 316942 and its SEC file number is 801-136027.","source":"Form ADV Part 1A, Item 1, filed 27 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Retire Ready Wealth Management?","answer":"Retire Ready Wealth Management’s main office is at 150 North Radnor Chester Road, Suite F-200, Radnor, PA 19087. Its phone number is 610-727-1727. Its website is retirereadyfg.com.","source":"Form ADV Part 1A, Item 1.F, filed 27 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."}