{
  "crd_number": 159052,
  "slug": "happiness-in-retirement-schenectady-ny-159052",
  "primary_business_name": "HAPPINESS IN RETIREMENT",
  "legal_name": "DEL-SETTE CAPITAL MANAGEMENT, LLC",
  "dbas": [],
  "city": "Schenectady",
  "state": "NY",
  "country": "United States",
  "cbsa_code": "10580",
  "metro": {
    "cbsa_code": "10580",
    "common_name": "Albany",
    "msa_name": "Albany-Schenectady-Troy, NY",
    "path": "/advisors/ny/albany"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2014-06-05",
  "years_registered": 12,
  "period": "2026-10-01",
  "filing_date": "2026-09-03",
  "carried_forward": false,
  "raum_total": 192533425.0,
  "raum_discretionary": 192533425.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 8,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 55724817.0,
      "count": 184
    },
    "high_net_worth_individuals": {
      "raum": 136808608.0,
      "count": 56
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "CT",
    "FL",
    "LA",
    "NH",
    "NM",
    "NY",
    "TX",
    "UT",
    "VA"
  ],
  "websites": [
    "https://del-sette.com",
    "https://facebook.com/DELSETTECAPITALMANAGEMENT",
    "https://hirlifeplanning.com",
    "https://linkedin.com/company/del-sette-capital-management"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/159052",
  "city_as_filed": "SCHENECTADY",
  "url": "https://advisorcensus.com/firm/happiness-in-retirement-schenectady-ny-159052",
  "display_name": "Happiness in Retirement",
  "summary": "Happiness in Retirement is an SEC-registered investment advisory firm in Schenectady, NY, registered since 2014, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 3, 2026.",
  "citation": "AdvisorCensus. Happiness in Retirement (CRD 159052): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Happiness in Retirement compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Happiness in Retirement reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Happiness in Retirement charge?",
      "a": "Its Form ADV Part 2A brochure dated May 14, 2026 states: Asset-based fee: 0.7% to 2.25% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Happiness in Retirement located?",
      "a": "Happiness in Retirement's principal office is in Schenectady, NY, according to its Form ADV."
    },
    {
      "q": "Is Happiness in Retirement registered with the SEC or a state?",
      "a": "Happiness in Retirement is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 159052."
    },
    {
      "q": "How much does Happiness in Retirement manage?",
      "a": "Happiness in Retirement reports $192,533,425 in regulatory assets under management in its Form ADV filing dated September 3, 2026 (100% discretionary)."
    },
    {
      "q": "How have Happiness in Retirement's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Happiness in Retirement: Regulatory assets under management: $117,677,366 in the October 2021 data and $192,533,425 in the October 2026 data, up 64%. Total employees: 6 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Happiness in Retirement serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (184); high net worth individuals (56)."
    },
    {
      "q": "Which custodians does Happiness in Retirement use?",
      "a": "Happiness in Retirement'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 Happiness in Retirement 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/159052"
    },
    {
      "q": "What changed in Happiness in Retirement's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Registered or notice-filed in CT."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 117677366.0,
      "total_employees": 6,
      "filing_date": "2021-07-21"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 147094691.0,
      "total_employees": 7,
      "filing_date": "2022-03-22"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 129748248.0,
      "total_employees": 3,
      "filing_date": "2023-08-11"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 151829467.0,
      "total_employees": 9,
      "filing_date": "2024-09-05"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 145817030.0,
      "total_employees": 7,
      "filing_date": "2025-04-03"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 192533425.0,
      "total_employees": 8,
      "filing_date": "2026-09-03"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Registered or notice-filed in CT."
      ]
    },
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Employees performing advisory functions went from 4 to 5.",
        "Regulatory assets under management went from $145,817,030 to $192,533,425 (+32%).",
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in CO."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated May 14, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": "0.7% to 2.25% a year",
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 0.7% to 2.25% a year (a range, as the brochure states it)"
        ],
        "quotes": [
          "Comprehensive Wealth Management fees are based on the market value of assets under management at the end of the respective calendar quarter. Comprehensive Wealth Management fees range from .70 to 2.25%."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": [
        0.7,
        2.25
      ],
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": []
    },
    "quotes": [
      "Comprehensive Wealth Management fees are based on the market value of assets under management at the end of the respective calendar quarter. Comprehensive Wealth Management fees range from .70 to 2.25%."
    ],
    "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/happiness-in-retirement-schenectady-ny-159052.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 184,
      "fewer_than_5": false,
      "raum": 55724817.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 56,
      "fewer_than_5": false,
      "raum": 136808608.0
    }
  ],
  "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/159052",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}