# Castle Financial & Retirement Planning Associates Inc

> 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.

- CRD: 107865
- Filed as: CASTLE FINANCIAL & RETIREMENT PLANNING ASSOCIATES INC
- Also doing business as: CASTLE FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Fair Haven, NJ
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/107865
- AdvisorCensus page: https://advisorcensus.com/firm/castle-financial-and-retirement-planning-associates-inc-fair-haven-nj-107865

## Quick answers

**How is Castle Financial & Retirement Planning Associates Inc compensated?**
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).

**How much does Castle Financial & Retirement Planning Associates Inc charge?**
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.

**Where is Castle Financial & Retirement Planning Associates Inc located?**
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).

**Is Castle Financial & Retirement Planning Associates Inc registered with the SEC or a state?**
Castle Financial & Retirement Planning Associates Inc is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 107865.

**How much does Castle Financial & Retirement Planning Associates Inc manage?**
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).

**How have Castle Financial & Retirement Planning Associates Inc's assets and staff changed since 2021?**
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.

**What types of clients does Castle Financial & Retirement Planning Associates Inc serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (113); high net worth individuals (33).

**Which custodians does Castle Financial & Retirement Planning Associates Inc use?**
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.

**Does Castle Financial & Retirement Planning Associates 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/107865

**Does Castle Financial & Retirement Planning Associates Inc state an account minimum?**
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"

**What changed in Castle Financial & Retirement Planning Associates Inc's recent Form ADV filings?**
In the December 2025 filing data: Registered or notice-filed in NC, SC.

## 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 March 30, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> 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

- Flat fee: $500 to $2,500 (financial planning and consulting)

> 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

- Hourly rate: $150 an hour (financial planning and consulting)

> 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

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: $107,946,217
- Discretionary: $107,946,217
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 113 | $44,963,008 |
| High net worth individuals | 33 | $62,478,126 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $505,083 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2014 (12 years)
- Employees: 6 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, NC, NJ, NY, SC, 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
- Naples, FL
- New York, NY

### Websites listed on Form ADV (Item 1.I)
- [castlefinancial.com](https://castlefinancial.com)
- Facebook @CASTLEFINANCIALNYC
- LinkedIn @ALPROCACCINO
- X @CASTLEINFO

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $90,215,266 | 6 | July 14, 2021 |
| October 2022 | $108,715,837 | 5 | March 12, 2022 |
| October 2023 | $97,027,699 | 5 | February 22, 2023 |
| October 2024 | $96,597,545 | 5 | March 21, 2024 |
| October 2025 | $105,190,836 | 6 | April 1, 2025 |
| October 2026 | $107,946,217 | 6 | March 31, 2026 |

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.

## Changes in the filing (last 12 months)

### December 2025
- Registered or notice-filed in NC, SC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Castle Financial & Retirement Planning Associates Inc (CRD 107865): Form ADV filing data as of October 2026.