# Garden State Retirement Specialists, LLC

> Garden State Retirement Specialists, LLC is an SEC-registered investment advisory firm in Red Bank, NJ, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 15, 2026.

- CRD: 128414
- Filed as: GARDEN STATE RETIREMENT SPECIALISTS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Red Bank, NJ
- Filing period: October 2026
- Form ADV filing dated: September 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/128414
- AdvisorCensus page: https://advisorcensus.com/firm/garden-state-retirement-specialists-llc-red-bank-nj-128414

## Quick answers

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

**How much does Garden State Retirement Specialists, LLC charge?**
Its Form ADV Part 2A brochure dated February 14, 2026 states: Flat fee: $500 to $5,000 (financial planning and/or consulting services…); Hourly rate: $400 an hour (financial planning and/or consulting services…). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Garden State Retirement Specialists, LLC located?**
Garden State Retirement Specialists, LLC's principal office is in Red Bank, NJ, according to its Form ADV.

**Is Garden State Retirement Specialists, LLC registered with the SEC or a state?**
Garden State Retirement Specialists, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 128414.

**How much does Garden State Retirement Specialists, LLC manage?**
Garden State Retirement Specialists, LLC reports $109,308,243 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (79% discretionary).

**What types of clients does Garden State Retirement Specialists, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (89); high net worth individuals (63).

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

**Does Garden State Retirement Specialists, 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/128414

**What changed in Garden State Retirement Specialists, LLC's recent Form ADV filings?**
In the December 2025 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 February 14, 2026)

- Flat fee: $500 to $5,000 (financial planning and/or consulting services…)

> Registrant’s planning and consulting fees are negotiable, but generally range from $500 to $5,000 on a fixed fee basis, and $400 on an hourly rate basis, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s).

- Hourly rate: $400 an hour (financial planning and/or consulting services…)

> Registrant’s planning and consulting fees are negotiable, but generally range from $500 to $5,000 on a fixed fee basis, and $400 on an hourly rate basis, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s).

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

### Custodians (Schedule D, Section 5.K(3))
- Pershing 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: $109,308,243
- Discretionary: $86,397,800
- Non-discretionary: $22,910,443

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 89 | $33,407,949 |
| High net worth individuals | 63 | $75,900,294 |

### 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
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2025 (0 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: FL, NJ, NY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Changes in the filing (last 12 months)

### December 2025
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Garden State Retirement Specialists, LLC (CRD 128414): Form ADV filing data as of October 2026.