{
  "crd_number": 107865,
  "slug": "castle-financial-and-retirement-planning-associates-inc-fair-haven-nj-107865",
  "primary_business_name": "CASTLE FINANCIAL & RETIREMENT PLANNING ASSOCIATES INC",
  "legal_name": "CASTLE FINANCIAL & RETIREMENT PLANNING ASSOCIATES INC",
  "dbas": [
    "CASTLE FINANCIAL"
  ],
  "city": "Fair Haven",
  "state": "NJ",
  "country": "United States",
  "cbsa_code": "35620",
  "metro": {
    "cbsa_code": "35620",
    "common_name": "New York",
    "msa_name": "New York-Newark-Jersey City, NY-NJ",
    "path": "/advisors/ny/new-york"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2014-02-19",
  "years_registered": 12,
  "period": "2026-10-01",
  "filing_date": "2026-03-31",
  "carried_forward": false,
  "raum_total": 107946217.0,
  "raum_discretionary": 107946217.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 6,
  "advisory_employees": 1,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "individuals": {
      "raum": 44963008.0,
      "count": 113
    },
    "pension_profit_sharing": {
      "raum": 505083.0,
      "count": null,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 62478126.0,
      "count": 33
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "NC",
    "NJ",
    "NY",
    "SC",
    "TX"
  ],
  "websites": [
    "https://castlefinancial.com",
    "https://facebook.com/CASTLEFINANCIALNYC",
    "https://linkedin.com/IN/ALPROCACCINO",
    "https://x.com/CASTLEINFO"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/107865",
  "city_as_filed": "FAIR HAVEN",
  "url": "https://advisorcensus.com/firm/castle-financial-and-retirement-planning-associates-inc-fair-haven-nj-107865",
  "display_name": "Castle Financial & Retirement Planning Associates Inc",
  "summary": "Castle Financial & Retirement Planning Associates Inc is an SEC-registered investment advisory firm in Fair Haven, NJ, registered since 2014, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.",
  "citation": "AdvisorCensus. Castle Financial & Retirement Planning Associates Inc (CRD 107865): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Castle Financial & Retirement Planning Associates Inc compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Castle Financial & Retirement Planning Associates Inc reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Castle Financial & Retirement Planning Associates Inc charge?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 states: Flat fee: $500 to $2,500 (financial planning and consulting); Hourly rate: $150 an hour (financial planning and consulting). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Castle Financial & Retirement Planning Associates Inc located?",
      "a": "Castle Financial & Retirement Planning Associates Inc's principal office is in Fair Haven, NJ, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Castle Financial & Retirement Planning Associates Inc registered with the SEC or a state?",
      "a": "Castle Financial & Retirement Planning Associates Inc is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 107865."
    },
    {
      "q": "How much does Castle Financial & Retirement Planning Associates Inc manage?",
      "a": "Castle Financial & Retirement Planning Associates Inc reports $107,946,217 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary)."
    },
    {
      "q": "How have Castle Financial & Retirement Planning Associates Inc's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Castle Financial & Retirement Planning Associates Inc: Regulatory assets under management: $90,215,266 in the October 2021 data and $107,946,217 in the October 2026 data, up 20%. Total employees: 6 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Castle Financial & Retirement Planning Associates Inc serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (113); high net worth individuals (33)."
    },
    {
      "q": "Which custodians does Castle Financial & Retirement Planning Associates Inc use?",
      "a": "Castle Financial & Retirement Planning Associates Inc'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."
    },
    {
      "q": "Does Castle Financial & Retirement Planning Associates Inc report any disciplinary disclosures?",
      "a": "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/107865"
    },
    {
      "q": "Does Castle Financial & Retirement Planning Associates Inc state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 says: \"Castle Financial generally requires a minimum of $250,000 for investment management services.\" \"Castle Financial’s Advisor, in his sole discretion, may waive the account minimum and/or charge a lower or no management fee based on various criteria\""
    },
    {
      "q": "What changed in Castle Financial & Retirement Planning Associates Inc's recent Form ADV filings?",
      "a": "In the December 2025 filing data: Registered or notice-filed in NC, SC."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 90215266.0,
      "total_employees": 6,
      "filing_date": "2021-07-14"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 108715837.0,
      "total_employees": 5,
      "filing_date": "2022-03-12"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 97027699.0,
      "total_employees": 5,
      "filing_date": "2023-02-22"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 96597545.0,
      "total_employees": 5,
      "filing_date": "2024-03-21"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 105190836.0,
      "total_employees": 6,
      "filing_date": "2025-04-01"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 107946217.0,
      "total_employees": 6,
      "filing_date": "2026-03-31"
    }
  ],
  "recent_changes": [
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in NC, SC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 30, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$250,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $500 to $2,500 (financial planning and consulting)",
      "Hourly rate: $150 an hour (financial planning and consulting)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $250,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Castle Financial generally requires a minimum of $250,000 for investment management services.",
          "Castle Financial’s Advisor, in his sole discretion, may waive the account minimum and/or charge a lower or no management fee based on various criteria"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $500 to $2,500 (financial planning and consulting)"
        ],
        "quotes": [
          "Castle Financial's financial planning and consulting fees range from $500 to $2,500 on a fixed fee basis, or up to $150 on an hourly rate basis"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $150 an hour (financial planning and consulting)"
        ],
        "quotes": [
          "Castle Financial's financial planning and consulting fees range from $500 to $2,500 on a fixed fee basis, or up to $150 on an hourly rate basis"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 250000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 500.0,
          "max": 2500.0,
          "period": "one_time",
          "service": "financial planning and consulting"
        },
        {
          "kind": "hourly",
          "amount": 150.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "financial planning and consulting"
        }
      ]
    },
    "quotes": [
      "Castle Financial generally requires a minimum of $250,000 for investment management services.",
      "Castle Financial’s Advisor, in his sole discretion, may waive the account minimum and/or charge a lower or no management fee based on various criteria",
      "Castle Financial's financial planning and consulting fees range from $500 to $2,500 on a fixed fee basis, or up to $150 on an hourly rate basis",
      "Castle Financial's financial planning and consulting fees range from $500 to $2,500 on a fixed fee basis, or up to $150 on an hourly rate basis"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/castle-financial-and-retirement-planning-associates-inc-fair-haven-nj-107865.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 113,
      "fewer_than_5": false,
      "raum": 44963008.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 33,
      "fewer_than_5": false,
      "raum": 62478126.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": null,
      "fewer_than_5": true,
      "raum": 505083.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/107865",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}