{"url":"https://nivawealth.com/firms/retirement-consulting-group-311184","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/311184","regulatoryAum":456974867,"crd":"311184","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7153283","suffix":null,"lastName":"MONROE","firstName":"JAMES","middleName":"ABRAHAM"},{"crd":"1363612","suffix":"III","lastName":"UPTON","firstName":"JOHN","middleName":"HAROLD"}],"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":"2021-07-23","regulatoryAum":259963629,"clients":175,"employees":4,"offices":1},{"filedOn":"2022-02-02","regulatoryAum":361919658,"clients":84,"employees":5,"offices":1},{"filedOn":"2023-05-05","regulatoryAum":325634919,"clients":89,"employees":3,"offices":1},{"filedOn":"2024-03-21","regulatoryAum":367084480,"clients":83,"employees":4,"offices":1},{"filedOn":"2025-03-27","regulatoryAum":411125617,"clients":84,"employees":4,"offices":1},{"filedOn":"2026-03-11","regulatoryAum":456974867,"clients":86,"employees":4,"offices":1}],"secFileNumber":"801-119724","legalName":"Retirement Consulting Group, Inc.","displayName":"Retirement Consulting Group","slug":"retirement-consulting-group-311184","website":"https://retirementconsulting.com/","classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_wealth_manager","typeLabel":"OCIO / institutional wealth","feeDisclosure":"payment_only"},"founded":null,"organization":"Oregon corporation","fiscalYearEnd":"December","headquarters":{"street":"5 Centerpointe Drive, Suite 400","city":"Lake Oswego","state":"OR","stateName":"Oregon","country":"United States","postalCode":"97035"},"tradeNames":[],"registration":{"secApproved":"30 October 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1624364.0410958903,"staff":{"employees":4,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":456974867,"discretionary":442090167,"discretionaryAccounts":170,"nonDiscretionary":14884700,"nonDiscretionaryAccounts":22,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":13},"clientTypes":[{"label":"Individuals (other than HNW)","clients":33,"regulatoryAum":14596439},{"label":"High-net-worth individuals","clients":40,"regulatoryAum":103982136},{"label":"Banking or thrift institutions","clients":1,"regulatoryAum":1242384},{"label":"Pension and profit-sharing plans","clients":10,"regulatoryAum":328027997},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":9125911}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":191138397},{"name":"Empower Financial Services, Inc.","shortName":"Empower","location":"Greenwood Village, CO","smaAssets":80156847},{"name":"Vanguard Marketing Corporation","shortName":"Vanguard Marketing","location":"Malvern, PA","smaAssets":130290218}],"custodyNote":"Retirement Consulting Group has custody of $101M in client assets for 59 clients.","otherCustodians":[],"leadership":[{"name":"John Upton","title":"President","crd":"1363612"},{"name":"Brett Pohl","title":"Chief Compliance Officer","crd":"5896497"}],"ownership":[{"label":"John Upton","detail":"President in the 75% or more ownership band and a control person, since February 1997."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Oregon","offices":1,"addresses":[{"street":"5 Centerpointe Drive, Suite 400","city":"Lake Oswego","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"503-225-1700","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"U.S. government/agency bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":91},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"11 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/311184/PDF/311184.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 Retirement Consulting Group have?","answer":"Retirement Consulting Group has 86 clients and manages $457 million for them, as of March 2026. They include 40 high-net-worth individuals, 33 individual clients, and 10 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Consulting Group offer?","answer":"Retirement Consulting Group provides financial planning, portfolio management for individuals and small businesses, pension consulting, 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 Retirement Consulting Group use?","answer":"Retirement Consulting Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $191M, Vanguard Marketing Corporation (Malvern, PA), with $130M and Empower Financial Services, Inc. (Greenwood Village, CO), with $80.2M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Consulting Group have?","answer":"Retirement Consulting Group has 1 investment adviser representative registered with state securities authorities, out of 4 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 Consulting Group invest in?","answer":"At the end of its last fiscal year, Retirement Consulting Group’s separately managed accounts held 91% registered funds (mutual funds, ETFs, BDCs), 5% U.S. government and agency bonds, 2% 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":"Who owns Retirement Consulting Group?","answer":"Retirement Consulting Group’s direct owner is John Upton (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Consulting Group get paid?","answer":"Retirement Consulting Group is paid through a percentage of assets under management 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":"How do I contact Retirement Consulting Group?","answer":"Retirement Consulting Group’s main office is at 5 Centerpointe Drive, Suite 400, Lake Oswego, OR 97035. Its phone number is 503-225-1700. Its website is retirementconsulting.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 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."}