# Commonwealth Retirement Investments LLC

> Commonwealth Retirement Investments LLC is an SEC-registered investment advisory firm in Richmond, VA, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 20, 2026.

- CRD: 285998
- Filed as: COMMONWEALTH RETIREMENT INVESTMENTS LLC
- Also doing business as: COMMONWEALTH RETIREMENT ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Richmond, VA
- Filing period: October 2026
- Form ADV filing dated: March 20, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/285998
- AdvisorCensus page: https://advisorcensus.com/firm/commonwealth-retirement-investments-llc-richmond-va-285998

## Quick answers

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

**Where is Commonwealth Retirement Investments LLC located?**
Commonwealth Retirement Investments LLC's principal office is in Richmond, VA, according to its Form ADV.

**Is Commonwealth Retirement Investments LLC registered with the SEC or a state?**
Commonwealth Retirement Investments LLC is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 285998.

**How much does Commonwealth Retirement Investments LLC manage?**
Commonwealth Retirement Investments LLC reports $377,033,190 in regulatory assets under management in its Form ADV filing dated March 20, 2026 (100% discretionary).

**How have Commonwealth Retirement Investments LLC's assets and staff changed since 2021?**
In the Form ADV data for Commonwealth Retirement Investments LLC: Regulatory assets under management: $176,103,698 in the October 2021 data and $377,033,190 in the October 2026 data, up 114%. Total employees: 9 in October 2021 and 12 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Commonwealth Retirement Investments LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (198); high net worth individuals (138); charitable organizations (1).

**Which custodians does Commonwealth Retirement Investments LLC use?**
Commonwealth Retirement Investments 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 Commonwealth Retirement Investments 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/285998

**Does Commonwealth Retirement Investments LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 20, 2026 says: "CRA generally requires a minimum amount of $1,000,000 in assets under management to be placed with us."

**What changed in Commonwealth Retirement Investments LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $306,228,266 to $377,033,190 (+23%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 20, 2026)

- Account minimum: $1,000,000

> CRA generally requires a minimum amount of $1,000,000 in assets under management to be placed with us.

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: $377,033,190
- Discretionary: $377,033,190
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 198 | $74,980,596 |
| High net worth individuals | 138 | $301,964,045 |
| 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) | 0 | $0 |
| Charitable organizations | 1 | $88,549 |
| 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)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Publication of periodicals or newsletters
- Educational seminars/workshops

### Firm details
- Registered since: 2017 (9 years)
- Employees: 12 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MA, NC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [cwealthra.com](https://cwealthra.com)
- Facebook @commonwealthretirement
- LinkedIn @commonwealth-retirement-advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $176,103,698 | 9 | March 31, 2021 |
| October 2022 | $212,633,159 | 8 | March 9, 2022 |
| October 2023 | $210,068,527 | 8 | September 26, 2023 |
| October 2024 | $240,420,738 | 9 | June 10, 2024 |
| October 2025 | $306,228,266 | 11 | June 3, 2025 |
| October 2026 | $377,033,190 | 12 | March 20, 2026 |

Regulatory assets under management: $176,103,698 in the October 2021 data and $377,033,190 in the October 2026 data, up 114%.
Total employees: 9 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $306,228,266 to $377,033,190 (+23%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Commonwealth Retirement Investments LLC (CRD 285998): Form ADV filing data as of October 2026.