# Compass Retirement, LLC

> Compass Retirement, LLC is an SEC-registered investment advisory firm, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 30, 2026.

- CRD: 158412
- Filed as: COMPASS RETIREMENT, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: April 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/158412
- AdvisorCensus page: https://advisorcensus.com/firm/compass-retirement-llc-158412

## Quick answers

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

**How much does Compass Retirement, LLC charge?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Hourly rate: $400 an hour (financial planning services); Flat fee: $1,200 to $5,000 (financial planning projects). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Compass Retirement, LLC registered with the SEC or a state?**
Compass Retirement, LLC is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 158412.

**How much does Compass Retirement, LLC manage?**
Compass Retirement, LLC reports $105,097,361 in regulatory assets under management in its Form ADV filing dated April 30, 2026 (88% discretionary).

**What types of clients does Compass Retirement, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (44); high net worth individuals (30).

**Which custodians does Compass Retirement, LLC use?**
Compass Retirement, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Wells Fargo Clearing Services, LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Compass Retirement, 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/158412

**Does Compass Retirement, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 24, 2026 says: "Our minimum asset level is generally $1,500,000 across a family of accounts, although we do make exceptions."

**What changed in Compass Retirement, LLC's recent Form ADV filings?**
In the May 2026 filing data: Newly registered with the SEC.

## 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 24, 2026)

- Account minimum: $1,500,000 (the brochure says it may be waived or negotiated)

> Our minimum asset level is generally $1,500,000 across a family of accounts, although we do make exceptions.

- Hourly rate: $400 an hour (financial planning services)

> The firm is compensated for financial planning services based on the rate of $400 per hour that is billed in 15-minute increments, and a partial increment (e.g. 10 minutes) is treated as a whole.

- Flat fee: $1,200 to $5,000 (financial planning projects)

> The firm’s project-based financial planning fee ranges from $1,200 to $5,000 and will be determined by the complexity of the engagement, time involved developing the plan, number of accounts involved, and other factors.

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

### Custodians (Schedule D, Section 5.K(3))
- Wells Fargo Clearing Services, LLC

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: $105,097,361
- Discretionary: $92,260,043
- Non-discretionary: $12,837,318

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 44 | $20,562,638 |
| High net worth individuals | 30 | $84,534,723 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | Not reported |

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

### Firm details
- Registered since: 2026 (0 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CT, FL, MD, NC
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- compass-retirement.com
- johnbubello.com
- LinkedIn @johnbubello

## Changes in the filing (last 12 months)

### May 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Compass Retirement, LLC (CRD 158412): Form ADV filing data as of October 2026.