# Retirement Capital Advisors

> Retirement Capital Advisors is a state-registered investment advisory firm in West Palm Beach, FL, registered since 2023, reporting under $25 million in regulatory assets under management in its Form ADV filing dated September 18, 2026.

- CRD: 324060
- Filed as: RETIREMENT CAPITAL ADVISORS
- Legal name: Retirement Capital Advisors LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: West Palm Beach, FL
- Filing period: October 2026
- Form ADV filing dated: September 18, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/324060
- AdvisorCensus page: https://advisorcensus.com/firm/retirement-capital-advisors-west-palm-beach-fl-324060

## Quick answers

**How is Retirement Capital Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Retirement Capital Advisors reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Retirement Capital Advisors located?**
Retirement Capital Advisors' principal office is in West Palm Beach, FL, according to its Form ADV.

**Is Retirement Capital Advisors registered with the SEC or a state?**
Retirement Capital Advisors is a state-registered investment advisory firm, registered since 2023. Status as filed: APPROVED. CRD 324060.

**How much does Retirement Capital Advisors manage?**
Retirement Capital Advisors reports $11,324,029 in regulatory assets under management in its Form ADV filing dated September 18, 2026 (100% discretionary).

**What types of clients does Retirement Capital Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (67).

**Does Retirement Capital Advisors report any disciplinary disclosures?**
Reports 2 disclosure items on Form ADV Item 11: yes answers to 11.D(1) (another regulator's finding of a false statement or omission, or of dishonest, unfair, or unethical conduct) and 11.D(2) (another regulator's finding of a violation). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/324060

**What changed in Retirement Capital Advisors' recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in IL.

## From the Form ADV filing

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

### Regulatory assets under management (Item 5.F)
- Total: $11,324,029
- Discretionary: $11,324,029
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 67 | $11,324,029 |
| High net worth individuals | 0 | $0 |
| 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) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| 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

### Firm details
- Registered since: 2023 (3 years)
- Employees: 5 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, IL, WI
- Disclosures (Item 11): Reports 2 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(1): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/324060

### Websites listed on Form ADV (Item 1.I)
- [reddit.com/user/RetireCapital](https://reddit.com/user/RetireCapital)
- [retirementcapital.com](https://retirementcapital.com)
- [threads.com/@retirementcapital](https://threads.com/@retirementcapital)
- Facebook @100090652795480
- Instagram @retirementcapital
- LinkedIn @retirementcapital
- X @RetireCapital
- YouTube @Retirement_Capital

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in IL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Retirement Capital Advisors (CRD 324060): Form ADV filing data as of October 2026.