{"url":"https://nivawealth.com/firms/soundpath-retirement-strategies-315590","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/315590","regulatoryAum":158522563,"crd":"315590","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8053025","suffix":null,"lastName":"Farrow","firstName":"Benjamin","middleName":"Lee"},{"crd":"8211614","suffix":null,"lastName":"Hernandez","firstName":"Noah","middleName":"Lee"},{"crd":"6701855","suffix":null,"lastName":"Koval","firstName":"Benjamin","middleName":"John"},{"crd":"7680872","suffix":null,"lastName":"Lybarger","firstName":"Matthew","middleName":"Robert"}],"total":4,"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":"801-134649","legalName":"Soundpath Retirement Strategies, LLC","displayName":"SoundPath Retirement Strategies","slug":"soundpath-retirement-strategies-315590","website":"https://soundpathretirement.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/315590/e5ec0b80419b5626-r1.webp","tone":"light","width":1021,"height":200,"sourceUrl":"https://soundpathretirement.com/","sourceLabel":"Soundpath Retirement Strategies, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/soundpath-retirement-strategies-llc/","founded":null,"organization":"Washington limited liability company","fiscalYearEnd":"December","headquarters":{"street":"11811 Ne 1st Street, Suite 311","city":"Bellevue","state":"WA","stateName":"Washington","country":"United States","postalCode":"98005"},"tradeNames":[],"registration":{"secApproved":"13 November 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":875815.2651933702,"staff":{"employees":7,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":158522563,"discretionary":158522563,"discretionaryAccounts":776,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":9},"clientTypes":[{"label":"Individuals (other than HNW)","clients":167,"regulatoryAum":107954370},{"label":"High-net-worth individuals","clients":14,"regulatoryAum":50568193}],"feePrograms":[{"role":"other","program":"Financial Consulting Services","summary":"Annual flat fee set by service complexity, built from service items of $500 to $2,000; a household with all services pays up to $7,500 a year, billed quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056946","versionId":1056946,"submittedOn":"2026-09-03","documentName":"FORM ADV2A/2B - SEC"},{"role":"other","program":"Financial Planning Services","summary":"Ongoing financial planning is an annual flat fee set on the same basis as financial consulting, billed quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056946","versionId":1056946,"submittedOn":"2026-09-03","documentName":"FORM ADV2A/2B - SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T17:01:04.572085+00:00","documents":[{"name":"FORM ADV2A/2B - SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056946","versionId":1056946,"submittedOn":"2026-09-03"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":158522563}],"custodyNote":"SoundPath Retirement Strategies does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Ernest C'Debaca","title":"CCO","crd":"5574701"},{"name":"Benjamin Koval","title":"Founder","crd":"6701855"}],"ownership":[{"label":"Benjamin Koval","detail":"Founder in the 75% or more ownership band and a control person, since June 2021."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":0},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"Oregon","offices":1,"addresses":[{"street":"111 SW 5th Ave","city":"Portland"}]},{"state":"Washington","offices":3,"addresses":[{"street":"11811 Ne 1st Street, Suite 311","city":"Bellevue","headquarters":true},{"street":"6100 219th St. SW","city":"Mountlake Terrace"},{"street":"707 S Grady Way","city":"Renton"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"425-365-0204","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":72},{"label":"Derivatives","percent":28}],"privateFunds":0},"sources":{"adv1FilingDate":"3 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/315590/PDF/315590.pdf","brochureDate":"3 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1056946","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 SoundPath Retirement Strategies have?","answer":"SoundPath Retirement Strategies has 181 clients and manages $159 million for them, as of September 2026. They include 167 individual clients and 14 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 3 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does SoundPath Retirement Strategies offer?","answer":"SoundPath Retirement Strategies provides financial planning, portfolio management for individuals and small businesses, 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 SoundPath Retirement Strategies use?","answer":"SoundPath Retirement Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $159M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does SoundPath Retirement Strategies have?","answer":"SoundPath Retirement Strategies has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are 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 SoundPath Retirement Strategies invest in?","answer":"At the end of its last fiscal year, SoundPath Retirement Strategies’ separately managed accounts held 72% exchange-traded equities and 28% derivatives.","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 SoundPath Retirement Strategies?","answer":"SoundPath Retirement Strategies’ direct owner is Benjamin Koval (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 3 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does SoundPath Retirement Strategies get paid?","answer":"SoundPath Retirement Strategies is paid through 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 SoundPath Retirement Strategies?","answer":"SoundPath Retirement Strategies’ main office is at 11811 Ne 1st Street, Suite 311, Bellevue, WA 98005. Its phone number is 425-365-0204. Its website is soundpathretirement.com.","source":"Form ADV Part 1A, Item 1.F, filed 3 September 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."}