{"url":"https://nivawealth.com/firms/retirement-advisors-122122","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/122122","regulatoryAum":159576775,"crd":"122122","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1484387","suffix":null,"lastName":"HAIDT","firstName":"STEPHEN","middleName":"MICHAEL"}],"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"},"history":[{"filedOn":"2021-02-22","regulatoryAum":140686702,"clients":179,"employees":3,"offices":1},{"filedOn":"2022-02-07","regulatoryAum":154683139,"clients":171,"employees":3,"offices":1},{"filedOn":"2023-06-08","regulatoryAum":131461660,"clients":171,"employees":3,"offices":1},{"filedOn":"2024-03-13","regulatoryAum":144380918,"clients":176,"employees":3,"offices":1},{"filedOn":"2025-02-18","regulatoryAum":148597561,"clients":180,"employees":3,"offices":1},{"filedOn":"2026-03-19","regulatoryAum":159576775,"clients":185,"employees":3,"offices":1}],"secFileNumber":"801-112649","legalName":"Retirement Advisors, Inc.","displayName":"Retirement Advisors","slug":"retirement-advisors-122122","website":"https://plantoretire.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Alabama corporation","fiscalYearEnd":"December","headquarters":{"street":"1009 Downtowner BLVD","city":"Mobile","state":"AL","stateName":"Alabama","country":"United States","postalCode":"36609"},"tradeNames":[],"registration":{"secApproved":"20 March 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":862577.1621621621,"staff":{"employees":3,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":159576775,"discretionary":156876048,"discretionaryAccounts":391,"nonDiscretionary":2700727,"nonDiscretionaryAccounts":13,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":103,"regulatoryAum":28116095},{"label":"High-net-worth individuals","clients":82,"regulatoryAum":131460680}],"feePrograms":[{"role":"main","program":"Wealth Management Program","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021632","versionId":1021632,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-19","documentName":"RETIREMENTADVISORS, INC. FORM ADV PART 2","fee_rate_low":null,"fee_rate_high":1.2,"fee_negotiable":true,"minimum_account":800000,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:37:23.601041+00:00","documents":[{"name":"RETIREMENTADVISORS, INC. FORM ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021632","versionId":1021632,"submittedOn":"2026-03-19"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":159576775}],"custodyNote":"Retirement Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Stephen Haidt","title":"President, Chief Compliance Officer","crd":"1484387"}],"ownership":[{"label":"Stephen Haidt","detail":"President, chief compliance officer in the 75% or more ownership band and a control person, since March 1996."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Alabama","offices":1,"addresses":[{"street":"1009 Downtowner BLVD","city":"Mobile","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"251-344-0707","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Other"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":92},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"19 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/122122/PDF/122122.pdf","brochureDate":"19 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021632","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 Retirement Advisors have?","answer":"Retirement Advisors has 185 clients and manages $160 million for them, as of March 2026. They include 103 individual clients and 82 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Advisors offer?","answer":"Retirement Advisors provides financial planning and 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 Retirement Advisors charge?","answer":"Retirement Advisors charges up to 1.20% a year for its Wealth Management Program. The fee is billed in advance, is negotiable and requires an account of at least $800,000.","source":"RETIREMENTADVISORS, INC. FORM ADV PART 2, filed 19 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Retirement Advisors use?","answer":"Retirement Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $160M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Advisors have?","answer":"Retirement Advisors has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 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 Retirement Advisors invest in?","answer":"At the end of its last fiscal year, Retirement Advisors’ separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities and 2% 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":"Does Retirement Advisors have a minimum investment?","answer":"Yes, Retirement Advisors’ minimum account size for its Wealth Management Program is $800K.","source":"RETIREMENTADVISORS, INC. FORM ADV PART 2, filed 19 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Retirement Advisors?","answer":"Retirement Advisors’ direct owner is Stephen Haidt (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Advisors get paid?","answer":"Retirement Advisors 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 Retirement Advisors?","answer":"Retirement Advisors’ main office is at 1009 Downtowner BLVD, Mobile, AL 36609. Its phone number is 251-344-0707. Its website is plantoretire.com.","source":"Form ADV Part 1A, Item 1.F, filed 19 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."}