# Cardinal Retirement Planning, Inc.

> Cardinal Retirement Planning, Inc. is an SEC-registered investment advisory firm in Chapel Hill, NC, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 2, 2026.

- CRD: 166545
- Filed as: CARDINAL RETIREMENT PLANNING, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Chapel Hill, NC
- Filing period: October 2026
- Form ADV filing dated: June 2, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/166545
- AdvisorCensus page: https://advisorcensus.com/firm/cardinal-retirement-planning-inc-chapel-hill-nc-166545

## Quick answers

**How is Cardinal Retirement Planning, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Cardinal Retirement Planning, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Cardinal Retirement Planning, Inc. charge?**
Its Form ADV Part 2A brochure dated June 2, 2026 states: Flat fee: $500 to $5,000 (initial upfront fee for ongoing financial planning and consulting services); Subscription: $250 to $2,250 a quarter (ongoing financial planning and consulting services); Hourly rate: $350 an hour (project-based financial planning and consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Cardinal Retirement Planning, Inc. located?**
Cardinal Retirement Planning, Inc.'s principal office is in Chapel Hill, NC, according to its Form ADV.

**Is Cardinal Retirement Planning, Inc. registered with the SEC or a state?**
Cardinal Retirement Planning, Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 166545.

**How much does Cardinal Retirement Planning, Inc. manage?**
Cardinal Retirement Planning, Inc. reports $127,415,483 in regulatory assets under management in its Form ADV filing dated June 2, 2026 (98% discretionary).

**How have Cardinal Retirement Planning, Inc.'s assets and staff changed since 2025?**
In the Form ADV data for Cardinal Retirement Planning, Inc.: Regulatory assets under management: $111,034,058 in the October 2025 data and $127,415,483 in the October 2026 data, up 15%. Total employees: 3 in October 2025 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Cardinal Retirement Planning, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (76); high net worth individuals (25); corporations or other businesses not listed above (4).

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

**Does Cardinal Retirement Planning, Inc. 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/166545

**What changed in Cardinal Retirement Planning, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $111,034,058 to $123,403,004 (+11%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

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

- Flat fee: $500 to $5,000 (initial upfront fee for ongoing financial planning and consulting services)

> Ongoing financial planning and consulting services are offered on a negotiable flat fee basis. This consists of an initial upfront fee of between $500 and $5,000

- Subscription: $250 to $2,250 a quarter (ongoing financial planning and consulting services)

> plus a quarterly recurring fee between $250 and $2,250 to be charged after each quarterly follow-up.

- Hourly rate: $350 an hour (project-based financial planning and consulting services)

> Project-based financial planning and consulting services are offered based on an hourly fee up to $ 350 per hour depending on the complexity of the services

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 Institutional

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: $127,415,483
- Discretionary: $125,367,911
- Non-discretionary: $2,047,572

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 76 | $25,230,141 |
| High net worth individuals | 25 | $72,731,426 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $38,469 |
| Charitable organizations | 1 | $160,817 |
| Corporations or other businesses not listed above | 4 | $29,254,630 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2025 (1 year)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, NC, OH, SC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- cardinalretirementnc.com
- planwithcardinal.com
- LinkedIn @cardinal-retirement-planning-inc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $111,034,058 | 3 | June 16, 2025 |
| October 2026 | $127,415,483 | 3 | June 2, 2026 |

Regulatory assets under management: $111,034,058 in the October 2025 data and $127,415,483 in the October 2026 data, up 15%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $111,034,058 to $123,403,004 (+11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Cardinal Retirement Planning, Inc. (CRD 166545): Form ADV filing data as of October 2026.