# Approach Retirement Advisors, LLC

> Approach Retirement Advisors, LLC is an SEC-registered investment advisory firm in Birmingham, AL, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 16, 2026.

- CRD: 166221
- Filed as: APPROACH RETIREMENT ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Birmingham, AL
- Filing period: October 2026
- Form ADV filing dated: March 16, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/166221
- AdvisorCensus page: https://advisorcensus.com/firm/approach-retirement-advisors-llc-birmingham-al-166221

## Quick answers

**How is Approach Retirement Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Approach Retirement Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**Where is Approach Retirement Advisors, LLC located?**
Approach Retirement Advisors, LLC's principal office is in Birmingham, AL, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Approach Retirement Advisors, LLC registered with the SEC or a state?**
Approach Retirement Advisors, LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 166221.

**How much does Approach Retirement Advisors, LLC manage?**
Approach Retirement Advisors, LLC reports $227,468,365 in regulatory assets under management in its Form ADV filing dated March 16, 2026 (100% discretionary).

**How have Approach Retirement Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Approach Retirement Advisors, LLC: Regulatory assets under management: $158,053,573 in the October 2021 data and $227,468,365 in the October 2026 data, up 44%. Total employees: 2 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Approach Retirement Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (81); high net worth individuals (59); pension and profit sharing plans (but not the plan participants or government pension plans) (3).

**Which custodians does Approach Retirement Advisors, LLC use?**
Approach Retirement Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Approach Retirement Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/166221

**Does Approach Retirement Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 16, 2026 says: "In general, we require $2,000,000 or more to open and maintain an advisory account. At our sole discretion, clients who do not meet the investment portfolio minimum can still work with our team by:" "In limited circumstances, and in our sole discretion, we may negotiate our services and/or fees when working with client family-related accounts."

**What changed in Approach Retirement Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $199,408,341 to $227,468,365 (+14%). Changed its office addresses in Pensacola, FL.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 16, 2026)

- Account minimum: $2,000,000 (the brochure says it may be waived or negotiated)

> In general, we require $2,000,000 or more to open and maintain an advisory account. At our sole discretion, clients who do not meet the investment portfolio minimum can still work with our team by:

> In limited circumstances, and in our sole discretion, we may negotiate our services and/or fees when working with client family-related accounts.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $227,468,365
- Discretionary: $227,468,365
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 81 | $36,221,650 |
| High net worth individuals | 59 | $187,846,979 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 3 | $1,670,256 |
| Charitable organizations | 1 | $1,729,480 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients

### Firm details
- Registered since: 2021 (5 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, FL, GA, MA, NC, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Pensacola, FL

### Websites listed on Form ADV (Item 1.I)
- approachretirement.com
- mcclainlovejoy.com
- walkerwa.com
- LinkedIn @approach-retirement-advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $158,053,573 | 2 | August 12, 2021 |
| October 2022 | $165,026,920 | 2 | March 31, 2022 |
| October 2023 | $153,355,075 | 2 | March 29, 2023 |
| October 2024 | $173,598,369 | 2 | March 20, 2024 |
| October 2025 | $199,408,341 | 2 | March 27, 2025 |
| October 2026 | $227,468,365 | 2 | March 16, 2026 |

Regulatory assets under management: $158,053,573 in the October 2021 data and $227,468,365 in the October 2026 data, up 44%.
Total employees: 2 in October 2021 and 2 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $199,408,341 to $227,468,365 (+14%).
- Changed its office addresses in Pensacola, FL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Approach Retirement Advisors, LLC (CRD 166221): Form ADV filing data as of October 2026.