{"url":"https://nivawealth.com/firms/true-north-retirement-advisors-290885","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/290885","regulatoryAum":460887057,"crd":"290885","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5418564","suffix":null,"lastName":"MICCICHE","firstName":"ASHLEY","middleName":"MARIE"},{"crd":"4740375","suffix":null,"lastName":"MICCICHE","firstName":"TODD","middleName":"DOUGLAS"},{"crd":"1050576","suffix":"JR","lastName":"WILSON","firstName":"DAVID","middleName":"GEORGE"}],"total":3,"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":"2021-03-10","regulatoryAum":291143931,"clients":298,"employees":7,"offices":1},{"filedOn":"2022-03-23","regulatoryAum":340603083,"clients":317,"employees":7,"offices":1},{"filedOn":"2023-03-15","regulatoryAum":314419926,"clients":334,"employees":8,"offices":1},{"filedOn":"2024-03-15","regulatoryAum":356735780,"clients":354,"employees":8,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":430170105,"clients":362,"employees":8,"offices":1},{"filedOn":"2026-03-11","regulatoryAum":460887057,"clients":382,"employees":7,"offices":1}],"secFileNumber":"801-112242","legalName":"True North Retirement Advisors, LLC","displayName":"True North Retirement Advisors","slug":"true-north-retirement-advisors-290885","website":"https://truenorthretirementadvisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/290885/f31827abf75aeae2-r1.webp","tone":"light","width":955,"height":200,"sourceUrl":"https://truenorthretirementadvisors.com/","sourceLabel":"True North Retirement Advisors, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/truenorthra","founded":null,"organization":"Oregon limited liability company","fiscalYearEnd":"December","headquarters":{"street":"10151 Se Sunnyside Road, #400","city":"Clackamas","state":"OR","stateName":"Oregon","country":"United States","postalCode":"97015"},"tradeNames":[],"registration":{"secApproved":"5 January 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1137565.191780822,"staff":{"employees":7,"advisory":3,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":460887057,"discretionary":415906737,"discretionaryAccounts":1123,"nonDiscretionary":44980320,"nonDiscretionaryAccounts":17,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":241,"regulatoryAum":91032217},{"label":"High-net-worth individuals","clients":124,"regulatoryAum":324179078},{"label":"Pension and profit-sharing plans","clients":17,"regulatoryAum":44980320},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":695442}],"feePrograms":[{"role":"main","program":"Portfolio management and financial planning","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017464","versionId":1017464,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-11","documentName":"ADV PART 2A BROCHURE","fee_rate_low":0.4,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning only","summary":"Fixed fees for financial-planning-only clients typically range from $2,500 to $6,000 per engagement, collected in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017464","versionId":1017464,"submittedOn":"2026-03-11","documentName":"ADV PART 2A BROCHURE"},{"role":"other","program":"Retirement plan consulting","summary":"Retirement plan consulting is billed as an asset-based fee or a fixed fee set in the advisory agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017464","versionId":1017464,"submittedOn":"2026-03-11","documentName":"ADV PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T10:24:35.462107+00:00","documents":[{"name":"ADV PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017464","versionId":1017464,"submittedOn":"2026-03-11"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":415906737}],"custodyNote":"True North Retirement Advisors does not have custody of client assets.","leadership":[{"name":"David Wilson","title":"Member, President, and Founder","crd":"1050576"},{"name":"Troy Micciche","title":"Chief Compliance Officer & Controller","crd":"7888058"},{"name":"Ashley Micciche","title":"Managing Principal","crd":"5418564"}],"ownership":[{"label":"Ashley Micciche","detail":"Managing principal in the 75% or more ownership band and a control person, since May 2017."},{"label":"David Wilson","detail":"Member, president, and founder in the 10% to 25% ownership band and a control person, since May 2017."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Oregon","offices":1,"addresses":[{"street":"10151 Se Sunnyside Road, #400","city":"Clackamas","headquarters":true}]}],"brochureServices":["business succession planning","education planning","estate planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"503-387-6869","stateRegisteredReps":3,"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"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":41},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":41},{"label":"Cash and cash equivalents","percent":16}],"privateFunds":0},"sources":{"adv1FilingDate":"11 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/290885/PDF/290885.pdf","brochureDate":"11 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017464","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 True North Retirement Advisors have?","answer":"True North Retirement Advisors has 382 clients and manages $461 million for them, as of March 2026. They include 241 individual clients, 124 high-net-worth individuals, and 17 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 True North Retirement Advisors offer?","answer":"True North Retirement Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, and estate planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does True North Retirement Advisors charge?","answer":"True North Retirement Advisors charges 0.40%–1.00% a year for its Portfolio management and financial planning. The fee is billed in advance.","source":"ADV PART 2A BROCHURE, filed 11 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does True North Retirement Advisors use?","answer":"True North Retirement Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $416M. 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 True North Retirement Advisors have?","answer":"True North Retirement Advisors has 3 investment adviser representatives registered with state securities authorities, out of 7 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 True North Retirement Advisors invest in?","answer":"At the end of its last fiscal year, True North Retirement Advisors’ separately managed accounts held 41% exchange-traded equities, 41% registered funds (mutual funds, ETFs, BDCs), 16% cash and equivalents, 1% state and local bonds and 1% investment grade corporate 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 True North Retirement Advisors?","answer":"True North Retirement Advisors’ direct owners are Ashley Micciche (75% or more) and David Wilson (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does True North Retirement Advisors get paid?","answer":"True North Retirement Advisors 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":"Is True North Retirement Advisors registered with the SEC?","answer":"Yes, True North Retirement Advisors has been registered with the SEC as an investment adviser since 5 January 2018. Its CRD number is 290885 and its SEC file number is 801-112242.","source":"Form ADV Part 1A, Item 1, filed 11 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact True North Retirement Advisors?","answer":"True North Retirement Advisors’ main office is at 10151 Se Sunnyside Road, #400, Clackamas, OR 97015. Its phone number is 503-387-6869. Its website is truenorthretirementadvisors.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."}