Summit Wealth & Retirement Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Summit Wealth & Retirement Planning reports 354 clients. They include 194 high-net-worth individuals, 152 individual clients, and 8 corporations and other businesses. Of its assets, 72.0% ($705M across 919 accounts) are managed with discretion; $273M across 99 accounts are not. It advised 10 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 43% | 7% |
| High-net-worth individuals | 55% | 92% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | 2% | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 152 | $68.2M | 7.0% | $449K |
| High-net-worth individuals | 194 | $901M | 92.1% | $4.64M |
| Charitable organizations | Fewer than 5 | $123K | 0.0% | — |
| Corporations and other businesses | 8 | $9.21M | 0.9% | $1.15M |
| Total | 354 | $978M | 100% | — |
- Clients
- 152
- Regulatory AUM
- $68.2M
- AUM share
- 7.0%
- Avg. per client
- $449K
- Clients
- 194
- Regulatory AUM
- $901M
- AUM share
- 92.1%
- Avg. per client
- $4.64M
- Clients
- Fewer than 5
- Regulatory AUM
- $123K
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- 8
- Regulatory AUM
- $9.21M
- AUM share
- 0.9%
- Avg. per client
- $1.15M
Total
- Clients
- 354
- Regulatory AUM
- $978M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 10
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Summit Wealth & Retirement Planning charges 1.00% a year for its Investment Management. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- A flat annual financial planning fee ranging from $2,500 to $100,000 per year, charged in quarterly increments in advance.
Robert Cucchiaro owns 75% or more of Summit Wealth & Retirement Planning. The leadership team of Summit Wealth & Retirement Planning includes President Robert Cucchiaro and Chief Compliance Officer Donald McCloskey. It has 12 employees, 7 of them in advisory roles.
Staff
- 12 employees
- 7 in advisory functions
- 7 state-registered reps
- 2 broker-dealer reps
- 2 insurance agents
- Owns 75% or more of Summit Wealth & Retirement Planning, Inc.
Robert Cucchiaro
Control person · since September 2012
Summit Wealth & Retirement Planning’s regulatory assets grew 1.6× from $610M (March 2021) to $978M (March 2026); clients rose from 307 to 354 and employees from 10 to 12.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $978M | 354 | 12 | 5 |
| Jun 2025June 2025 | $825M | 341 | 11 | 4 |
| May 2024May 2024 | $721M | 337 | 10 | 4 |
| Jul 2023July 2023 | $642M | 327 | 11 | 4 |
| Jun 2022June 2022 | $697M | 314 | 11 | 4 |
| Mar 2021March 2021 | $610M | 307 | 10 | 1 |
Besides its headquarters, Summit Wealth & Retirement Planning has 4 offices (3 private residences, listed without an address), with 2 listed addresses across 2 states.
California · 1 listed address
- 2000 Crow Canyon Place, San Ramon
Idaho · 1 listed address
- 435 E Shore Drive, Suite 220, EagleHQ
Contact and registration details
- Legal name
- Summit Wealth & Retirement Planning, Inc.
- Headquarters
- 435 E Shore Drive, Suite 220, Eagle, ID 83616
- Phone
- 925-927-1900
- SEC file
- 801-108910
- Founded
- 1987
- Structure
- Idaho corporation
- Fiscal year end
- December
Summit Wealth & Retirement Planning’s named custodian for separately managed accounts is Charles Schwab ($978M). Summit Wealth & Retirement Planning has custody of $490M for 169 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $978M100%
At year end, Summit Wealth & Retirement Planning’s separately managed accounts were mostly in funds (70%) and stocks (17%). Its reported 13F holdings for the quarter ended 30 June 2026 total $472M across 113 positions; the largest are Schwab Strategic TR (13.1%), Vanguard World FD (12.6%) and Schwab Strategic TR (10.9%).
What the accounts hold
- Stocks17%
- Exchange-traded equities16%
- Non-exchange-traded equities1%
- Funds70%
- Bonds11%
- Cash2%
How many clients does Summit Wealth & Retirement Planning have?
Summit Wealth & Retirement Planning has 354 clients and manages $978 million for them, as of March 2026. They include 194 high-net-worth individuals, 152 individual clients, and 8 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026
What services does Summit Wealth & Retirement Planning offer?
Summit Wealth & Retirement Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Summit Wealth & Retirement Planning charge?
Summit Wealth & Retirement Planning charges 1.00% a year for its Investment Management. The fee is billed in advance and is negotiable.
Source: 2026-03-09 SUMMIT WEALTH & RETIREMENT PARTNERS FORM ADV PART 2A, filed 9 March 2026
Which custodians does Summit Wealth & Retirement Planning use?
Summit Wealth & Retirement Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $978M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026
How many financial advisors does Summit Wealth & Retirement Planning have?
Summit Wealth & Retirement Planning has 7 investment adviser representatives registered with state securities authorities, out of 12 employees, and 7 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 2 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
What does Summit Wealth & Retirement Planning invest in?
At the end of its last fiscal year, Summit Wealth & Retirement Planning’s separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities, 11% U.S. government and agency bonds, 2% cash and equivalents and 1% non-exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Summit Wealth & Retirement Planning?
Summit Wealth & Retirement Planning’s direct owner is Robert Cucchiaro (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 9 March 2026
How does Summit Wealth & Retirement Planning get paid?
Summit Wealth & Retirement Planning 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
How do I contact Summit Wealth & Retirement Planning?
Summit Wealth & Retirement Planning’s main office is at 435 E Shore Drive, Suite 220, Eagle, ID 83616. Its phone number is 925-927-1900. Its website is summitwealthandretirement.com.