{"url":"https://nivawealth.com/firms/retirement-resources-investment-47723","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/47723","regulatoryAum":2444639519,"crd":"47723","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2547975","suffix":null,"lastName":"MCGINN","firstName":"PATRICK","middleName":"P"},{"crd":"858532","suffix":null,"lastName":"PHILLIPS","firstName":"JAMES","middleName":"FRANKLIN"}],"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":"2021-03-24","regulatoryAum":1277383643,"clients":123,"employees":5,"offices":1},{"filedOn":"2022-03-16","regulatoryAum":1491851737,"clients":146,"employees":5,"offices":1},{"filedOn":"2023-03-15","regulatoryAum":1355963924,"clients":136,"employees":7,"offices":1},{"filedOn":"2024-05-07","regulatoryAum":1665778515,"clients":141,"employees":7,"offices":1},{"filedOn":"2025-04-17","regulatoryAum":1992257844,"clients":152,"employees":7,"offices":1},{"filedOn":"2026-04-28","regulatoryAum":2444639519,"clients":152,"employees":7,"offices":1}],"secFileNumber":"801-64658","legalName":"Retirement Resources Investment Corporation","displayName":"Retirement Resources Investment","slug":"retirement-resources-investment-47723","website":"https://retirewithmore.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/47723/2dd1f5317991be9a-r1.webp","tone":"light","width":764,"height":200,"sourceUrl":"https://www.retirewithmore.com/","sourceLabel":"Retirement Resources Investment Corporation, website"},"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_wealth_manager","typeLabel":"OCIO / institutional wealth","feeDisclosure":"payment_only"},"founded":null,"organization":"Massachusetts corporation","fiscalYearEnd":"December","headquarters":{"street":"10 New England Business Center Drive, Suite 107","city":"Andover","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01810"},"tradeNames":[],"registration":{"secApproved":"2 September 2005","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1318544.9421487604,"staff":{"employees":7,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":2444639519,"discretionary":146171562,"discretionaryAccounts":216,"nonDiscretionary":2298467957,"nonDiscretionaryAccounts":83,"wrapProgram":146171562,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":73,"regulatoryAum":28274020},{"label":"High-net-worth individuals","clients":48,"regulatoryAum":131269918},{"label":"Pension and profit-sharing plans","clients":31,"regulatoryAum":2284415499},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":54432},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":625650}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":1225956216},{"name":"Ascensus Financial Services, LLC.","shortName":"Ascensus Financial Services","location":"Dresher, PA","smaAssets":813831595}],"custodyNote":"Retirement Resources Investment does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Patrick McGinn","title":"President and Chief Compliance Officer","crd":"2547975"},{"name":"James Phillips","title":"Vice President","crd":"858532"}],"ownership":[{"label":"Patrick McGinn","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since March 2022."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Massachusetts","offices":1,"addresses":[{"street":"10 New England Business Center Drive, Suite 107","city":"Andover","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"978-536-9000","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":3},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":96}],"privateFunds":0},"sources":{"adv1FilingDate":"28 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/47723/PDF/47723.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 Resources Investment have?","answer":"Retirement Resources Investment has 152 clients and manages $2.44 billion for them, as of April 2026. They include 73 individual clients, 48 high-net-worth individuals, and 31 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 28 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Resources Investment offer?","answer":"Retirement Resources Investment provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, 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":"Which custodians does Retirement Resources Investment use?","answer":"Retirement Resources Investment’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $1.23B and Ascensus Financial Services, LLC. (Dresher, PA), with $814M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Resources Investment have?","answer":"Retirement Resources Investment has 2 investment adviser representatives registered with state securities authorities, out of 7 employees, and 2 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 Resources Investment invest in?","answer":"At the end of its last fiscal year, Retirement Resources Investment’s separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities and 1% U.S. government and agency 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 Retirement Resources Investment?","answer":"Retirement Resources Investment’s direct owner is Patrick McGinn (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 28 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Resources Investment get paid?","answer":"Retirement Resources Investment is paid through a percentage of assets under management and hourly charges. 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 Resources Investment?","answer":"Retirement Resources Investment’s main office is at 10 New England Business Center Drive, Suite 107, Andover, MA 01810. Its phone number is 978-536-9000. Its website is retirewithmore.com.","source":"Form ADV Part 1A, Item 1.F, filed 28 April 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."}