{
  "crd_number": 304989,
  "slug": "phd-retirement-consulting-overland-park-ks-304989",
  "primary_business_name": "PHD RETIREMENT CONSULTING",
  "legal_name": "PHD CONSULTING LLC",
  "dbas": [],
  "city": "Overland Park",
  "state": "KS",
  "country": "United States",
  "cbsa_code": "28140",
  "metro": {
    "cbsa_code": "28140",
    "common_name": "Kansas City",
    "msa_name": "Kansas City, MO-KS",
    "path": "/advisors/mo/kansas-city"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2019-08-12",
  "years_registered": 7,
  "period": "2026-10-01",
  "filing_date": "2026-09-16",
  "carried_forward": false,
  "raum_total": 559187300.0,
  "raum_discretionary": 239364388.0,
  "raum_non_discretionary": 319822912.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 7,
  "advisory_employees": 3,
  "client_count_bucket": null,
  "clients_by_type": {
    "pension_profit_sharing": {
      "raum": 559187300.0,
      "count": 66
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "KS"
  ],
  "websites": [
    "https://401ksimple.com",
    "https://403bsimple.com",
    "https://esopsimple.com",
    "https://facebook.com/FeeOnly401k",
    "https://feeonly401kadvisor.com",
    "https://linkedin.com/company/phd-401k",
    "https://phdfirm.com",
    "https://planhealthdesign.com",
    "https://twitter.com/repurposement"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/304989",
  "city_as_filed": "OVERLAND PARK",
  "url": "https://advisorcensus.com/firm/phd-retirement-consulting-overland-park-ks-304989",
  "display_name": "PHD Retirement Consulting",
  "summary": "PHD Retirement Consulting is an SEC-registered investment advisory firm in Overland Park, KS, registered since 2019, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated September 16, 2026.",
  "citation": "AdvisorCensus. PHD Retirement Consulting (CRD 304989): 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 businesses (other than small businesses) or institutional clients",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is PHD Retirement Consulting compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), PHD Retirement Consulting reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "Where is PHD Retirement Consulting located?",
      "a": "PHD Retirement Consulting's principal office is in Overland Park, KS, according to its Form ADV."
    },
    {
      "q": "Is PHD Retirement Consulting registered with the SEC or a state?",
      "a": "PHD Retirement Consulting is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 304989."
    },
    {
      "q": "How much does PHD Retirement Consulting manage?",
      "a": "PHD Retirement Consulting reports $559,187,300 in regulatory assets under management in its Form ADV filing dated September 16, 2026 (43% discretionary)."
    },
    {
      "q": "How have PHD Retirement Consulting's assets and staff changed since 2021?",
      "a": "In the Form ADV data for PHD Retirement Consulting: Regulatory assets under management: $103,666,106 in the October 2021 data and $559,187,300 in the October 2026 data, up 439%. Total employees: 1 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does PHD Retirement Consulting serve?",
      "a": "By number of clients on Form ADV Item 5.D: pension and profit sharing plans (but not the plan participants or government pension plans) (66)."
    },
    {
      "q": "Which custodians does PHD Retirement Consulting use?",
      "a": "PHD Retirement Consulting's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Alerus Financial and Transamerica as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does PHD Retirement Consulting 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/304989"
    },
    {
      "q": "Does PHD Retirement Consulting state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 25, 2026 says: \"For its services, PHD does not require a minimum dollar value in assets for establishing or maintaining an institutional account, but the firm reserves the right to decline engagements for various reasons including account size.\""
    },
    {
      "q": "What changed in PHD Retirement Consulting's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Regulatory assets under management went from $506,191,314 to $559,187,300 (+10%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 103666106.0,
      "total_employees": 1,
      "filing_date": "2021-03-31"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 120605551.0,
      "total_employees": 5,
      "filing_date": "2022-03-31"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 135981890.0,
      "total_employees": 5,
      "filing_date": "2023-03-31"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 394576606.0,
      "total_employees": 5,
      "filing_date": "2024-03-05"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 398423921.0,
      "total_employees": 5,
      "filing_date": "2025-03-28"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 559187300.0,
      "total_employees": 7,
      "filing_date": "2026-09-16"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Regulatory assets under management went from $506,191,314 to $559,187,300 (+10%)."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $398,423,921 to $506,191,314 (+27%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 25, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "For its services, PHD does not require a minimum dollar value in assets for establishing or maintaining an institutional account, but the firm reserves the right to decline engagements for various reasons including account size."
        ]
      }
    ],
    "quotes": [
      "For its services, PHD does not require a minimum dollar value in assets for establishing or maintaining an institutional account, but the firm reserves the right to decline engagements for various reasons including account size."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Alerus Financial",
      "name_as_filed": "ALERUS FINANCIAL",
      "affiliated": false
    },
    {
      "name": "Transamerica",
      "name_as_filed": "TRANSAMERICA",
      "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/phd-retirement-consulting-overland-park-ks-304989.md",
  "clients": [
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 66,
      "fewer_than_5": false,
      "raum": 559187300.0
    }
  ],
  "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/304989",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}