# SST Benefits Consulting

> SST Benefits Consulting is an SEC-registered investment advisory firm in Aliso Viejo, CA, registered since 2017, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 25, 2026.

- CRD: 288129
- Filed as: SST BENEFITS CONSULTING
- Legal name: SST Benefits Consulting & Insurance Services, LLC
- Also doing business as: WEALTHSPIRE RETIREMENT ADVISORY
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Aliso Viejo, CA
- Filing period: October 2026
- Form ADV filing dated: March 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/288129
- AdvisorCensus page: https://advisorcensus.com/firm/sst-benefits-consulting-aliso-viejo-ca-288129

## Quick answers

**How is SST Benefits Consulting compensated?**
On its Form ADV (Item 5.E, October 2026), SST Benefits Consulting reports these compensation arrangements: hourly charges; fixed fees (other than subscription fees).

**How much does SST Benefits Consulting charge?**
Its Form ADV Part 2A brochure dated March 25, 2026 states: Flat fee: $4,500 to $7,000 (investment performance assistance services); Hourly rate: $550 an hour (investment performance assistance services); Flat fee: $1,000 to $2,500 (investment policy services); Flat fee: $24,000 to $75,000; Flat fee: $15,000 to $110,000. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is SST Benefits Consulting located?**
SST Benefits Consulting's principal office is in Aliso Viejo, CA, according to its Form ADV.

**Is SST Benefits Consulting registered with the SEC or a state?**
SST Benefits Consulting is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 288129.

**How much does SST Benefits Consulting manage?**
SST Benefits Consulting reports $524,070,498 in regulatory assets under management in its Form ADV filing dated March 25, 2026 (0% discretionary).

**How have SST Benefits Consulting's assets and staff changed since 2021?**
In the Form ADV data for SST Benefits Consulting: Regulatory assets under management: $5,236,371,654 in the October 2021 data and $524,070,498 in the October 2026 data, down 90%. 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 SST Benefits Consulting serve?**
By number of clients on Form ADV Item 5.D: pension and profit sharing plans (but not the plan participants or government pension plans) (5).

**Does SST Benefits Consulting 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/288129

**What changed in SST Benefits Consulting's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 2 to 3. Regulatory assets under management went from $280,394,905 to $524,070,498 (+87%).

## From the Form ADV filing

### Compensation (Item 5.E)
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 25, 2026)

- Flat fee: $4,500 to $7,000 (investment performance assistance services)

> Investment performance assistance services can be charged on a fixed or an hourly rate as you select. If charged on a fixed rate, fees generally range from $4,500 to $7,000 per plan

- Hourly rate: $550 an hour (investment performance assistance services)

> If billed on an hourly basis, the rate is no more than $550 per hour depending on scope of project and duration of services.

- Flat fee: $1,000 to $2,500 (investment policy services)

> Investment policy services can be charged on a fixed or an hourly rate as you select. If charged on a fixed rate, fees generally range from $1,000 to $2,500

- Flat fee: $24,000 to $75,000

> If charged on a fixed rate, fees generally range from $24,000 to $75,000 and are negotiable based on the actual services requested and the complexity of those services.

- Flat fee: $15,000 to $110,000

> If charged on a fixed rate, fees generally range from $15,000 to $110,000 and are negotiable based on the actual services requested and the complexity of those services.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Regulatory assets under management (Item 5.F)
- Total: $524,070,498
- Discretionary: $0
- Non-discretionary: $524,070,498

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | Not reported | $0 |
| High net worth individuals | Not reported | $0 |
| Banking or thrift institutions | Not reported | $0 |
| Investment companies | Not reported | $0 |
| Business development companies | Not reported | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | Not reported | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 5 | $524,070,498 |
| Charitable organizations | Not reported | $0 |
| State or municipal government entities (including government pension plans) | Not reported | $0 |
| Other investment advisers | Not reported | $0 |
| Insurance companies | Not reported | $0 |
| Sovereign wealth funds and foreign official institutions | Not reported | $0 |
| Corporations or other businesses not listed above | Not reported | $0 |
| Other | Not reported | $0 |

### Advisory services (Item 5.G)
- Pension consulting services

### Firm details
- Registered since: 2017 (9 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $5,236,371,654 | 5 | March 31, 2021 |
| October 2022 | $2,459,202,883 | 5 | March 30, 2022 |
| October 2023 | $2,065,107,161 | 3 | March 29, 2023 |
| October 2024 | $1,918,601,861 | 3 | May 28, 2024 |
| October 2025 | $280,394,905 | 2 | March 27, 2025 |
| October 2026 | $524,070,498 | 3 | March 25, 2026 |

Regulatory assets under management: $5,236,371,654 in the October 2021 data and $524,070,498 in the October 2026 data, down 90%.
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 2 to 3.
- Regulatory assets under management went from $280,394,905 to $524,070,498 (+87%).

### February 2026
- Updated its list of owners and control persons (Schedule A).

### December 2025
- Added the business name Wealthspire Retirement Advisory.
- Changed its legal name from SST Benefits Consulting & Insurance Services, Inc. to SST Benefits Consulting & Insurance Services, LLC.
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. SST Benefits Consulting (CRD 288129): Form ADV filing data as of October 2026.