# Heritage Retirement Advisors, LLC

> Heritage Retirement Advisors, LLC is an SEC-registered investment advisory firm in Colleyville, TX, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 8, 2026.

- CRD: 165191
- Filed as: HERITAGE RETIREMENT ADVISORS, LLC
- Legal name: Hutto Retirement Advisors, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Colleyville, TX
- Filing period: October 2026
- Form ADV filing dated: March 8, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/165191
- AdvisorCensus page: https://advisorcensus.com/firm/heritage-retirement-advisors-llc-colleyville-tx-165191

## Quick answers

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

**Where is Heritage Retirement Advisors, LLC located?**
Heritage Retirement Advisors, LLC's principal office is in Colleyville, TX, according to its Form ADV.

**Is Heritage Retirement Advisors, LLC registered with the SEC or a state?**
Heritage Retirement Advisors, LLC is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 165191.

**How much does Heritage Retirement Advisors, LLC manage?**
Heritage Retirement Advisors, LLC reports $351,068,792 in regulatory assets under management in its Form ADV filing dated March 8, 2026 (100% discretionary).

**How have Heritage Retirement Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Heritage Retirement Advisors, LLC: Regulatory assets under management: $149,012,760 in the October 2021 data and $351,068,792 in the October 2026 data, up 136%. Total employees: 5 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Heritage Retirement Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (247); high net worth individuals (98).

**Which custodians does Heritage Retirement Advisors, LLC use?**
Heritage Retirement Advisors, 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 Heritage Retirement Advisors, 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/165191

**Does Heritage Retirement Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 8, 2026 says: "There are no minimum investment amounts or conditions required for establishing an account managed by HRA."

**What changed in Heritage Retirement Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 4 to 3. Regulatory assets under management went from $283,507,847 to $351,068,792 (+24%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 8, 2026)

- Account minimum: None

> There are no minimum investment amounts or conditions required for establishing an account managed by HRA.

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: $351,068,792
- Discretionary: $351,068,792
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 247 | $102,242,555 |
| High net worth individuals | 98 | $214,876,918 |
| 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) | Fewer than 5 | $14,639,204 |
| Charitable organizations | Fewer than 5 | $19,310,115 |
| 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
- Portfolio management for businesses (other than small businesses) or institutional clients
- Educational seminars/workshops

### Firm details
- Registered since: 2018 (8 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- heritage-retirement.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $149,012,760 | 5 | March 30, 2021 |
| October 2022 | $191,615,164 | 5 | March 31, 2022 |
| October 2023 | $180,491,013 | 5 | March 29, 2023 |
| October 2024 | $194,525,714 | 5 | March 27, 2024 |
| October 2025 | $283,507,847 | 6 | May 27, 2025 |
| October 2026 | $351,068,792 | 3 | March 8, 2026 |

Regulatory assets under management: $149,012,760 in the October 2021 data and $351,068,792 in the October 2026 data, up 136%.
Total employees: 5 in October 2021 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 4 to 3.
- Regulatory assets under management went from $283,507,847 to $351,068,792 (+24%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Heritage Retirement Advisors, LLC (CRD 165191): Form ADV filing data as of October 2026.