{
  "crd_number": 309238,
  "slug": "retire-agile-hermantown-mn-309238",
  "primary_business_name": "RETIRE AGILE",
  "legal_name": "ALIGN FINANCIAL, LLC",
  "dbas": [
    "AGILE RETIREMENT MANAGEMENT",
    "RETIRE AGILE"
  ],
  "city": "Hermantown",
  "state": "MN",
  "country": "United States",
  "cbsa_code": "20260",
  "metro": {
    "cbsa_code": "20260",
    "common_name": "Duluth",
    "msa_name": "Duluth, MN-WI",
    "path": "/advisors/mn/duluth"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2025-03-10",
  "years_registered": 1,
  "period": "2026-10-01",
  "filing_date": "2026-09-23",
  "carried_forward": false,
  "raum_total": 433731160.0,
  "raum_discretionary": 433731160.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 5,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 59775372.0,
      "count": 83
    },
    "high_net_worth_individuals": {
      "raum": 373955788.0,
      "count": 105
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": true,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "FL",
    "GA",
    "MA",
    "MN",
    "NC",
    "NE",
    "NY",
    "OH",
    "OR",
    "TX",
    "VA",
    "WA",
    "WI"
  ],
  "websites": [
    "https://agileretirementmanagement.com",
    "https://align.financial",
    "https://linkedin.com/company/align-financial-llc/about"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/309238",
  "city_as_filed": "HERMANTOWN",
  "url": "https://advisorcensus.com/firm/retire-agile-hermantown-mn-309238",
  "display_name": "Retire Agile",
  "summary": "Retire Agile is an SEC-registered investment advisory firm in Hermantown, MN, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 23, 2026.",
  "citation": "AdvisorCensus. Retire Agile (CRD 309238): 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",
    "Selection of other advisers (including private fund managers)"
  ],
  "quick_answers": [
    {
      "q": "How is Retire Agile compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Retire Agile reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Retire Agile charge?",
      "a": "Its Form ADV Part 2A brochure dated August 24, 2026 states: Flat fee: up to $20,000 (stand-alone financial planning). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Retire Agile located?",
      "a": "Retire Agile's principal office is in Hermantown, MN, according to its Form ADV; the October 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Retire Agile registered with the SEC or a state?",
      "a": "Retire Agile is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 309238."
    },
    {
      "q": "How much does Retire Agile manage?",
      "a": "Retire Agile reports $433,731,160 in regulatory assets under management in its Form ADV filing dated September 23, 2026 (100% discretionary)."
    },
    {
      "q": "How have Retire Agile's assets and staff changed since 2025?",
      "a": "In the Form ADV data for Retire Agile: Regulatory assets under management: $101,534,281 in the October 2025 data and $433,731,160 in the October 2026 data, up 327%. Total employees: 3 in October 2025 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Retire Agile serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (105); individuals (other than high net worth individuals) (83)."
    },
    {
      "q": "Which custodians does Retire Agile use?",
      "a": "Retire Agile's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Retire Agile 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/309238"
    },
    {
      "q": "What changed in Retire Agile's recent Form ADV filings?",
      "a": "In the August 2026 filing data: Registered or notice-filed in NC."
    }
  ],
  "filing_history": [
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 101534281.0,
      "total_employees": 3,
      "filing_date": "2025-03-10"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 433731160.0,
      "total_employees": 5,
      "filing_date": "2026-09-23"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-08-01",
      "period_label": "August 2026",
      "notes": [
        "Registered or notice-filed in NC."
      ]
    },
    {
      "period": "2026-05-01",
      "period_label": "May 2026",
      "notes": [
        "Registered or notice-filed in CO."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Employees performing advisory functions went from 1 to 5.",
        "Regulatory assets under management went from $101,534,281 to $433,731,160 (+327%).",
        "Registered or notice-filed in CA, GA, MA, NE, NY, OH, OR, WA."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "Registered or notice-filed in VA."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in FL, WI."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated August 24, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: up to $20,000 (stand-alone financial planning)"
    ],
    "figures": [
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: up to $20,000 (stand-alone financial planning)"
        ],
        "quotes": [
          "Stand -alone financial planning fees are fixed and will not exceed $20,000."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": null,
          "max": 20000.0,
          "period": "one_time",
          "service": "stand-alone financial planning"
        }
      ]
    },
    "quotes": [
      "Stand -alone financial planning fees are fixed and will not exceed $20,000."
    ],
    "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
    },
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "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/retire-agile-hermantown-mn-309238.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 83,
      "fewer_than_5": false,
      "raum": 59775372.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 105,
      "fewer_than_5": false,
      "raum": 373955788.0
    }
  ],
  "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/309238",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}