# Summit Wealth and Retirement Partners

> Summit Wealth and Retirement Partners is an SEC-registered investment advisory firm in Eagle, ID, registered since 2017, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 9, 2026.

- CRD: 285972
- Filed as: SUMMIT WEALTH AND RETIREMENT PARTNERS
- Legal name: Summit Wealth & Retirement Planning, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Eagle, ID
- Filing period: October 2026
- Form ADV filing dated: March 9, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/285972
- AdvisorCensus page: https://advisorcensus.com/firm/summit-wealth-and-retirement-partners-eagle-id-285972

## Quick answers

**How is Summit Wealth and Retirement Partners compensated?**
On its Form ADV (Item 5.E, October 2026), Summit Wealth and Retirement Partners reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**Where is Summit Wealth and Retirement Partners located?**
Summit Wealth and Retirement Partners' principal office is in Eagle, ID, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Summit Wealth and Retirement Partners registered with the SEC or a state?**
Summit Wealth and Retirement Partners is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 285972.

**How much does Summit Wealth and Retirement Partners manage?**
Summit Wealth and Retirement Partners reports $978,085,825 in regulatory assets under management in its Form ADV filing dated March 9, 2026 (72% discretionary).

**How have Summit Wealth and Retirement Partners' assets and staff changed since 2021?**
In the Form ADV data for Summit Wealth and Retirement Partners: Regulatory assets under management: $610,416,937 in the October 2021 data and $978,085,825 in the October 2026 data, up 60%. Total employees: 10 in October 2021 and 12 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Summit Wealth and Retirement Partners serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (194); individuals (other than high net worth individuals) (152); corporations or other businesses not listed above (8).

**Which custodians does Summit Wealth and Retirement Partners use?**
Summit Wealth and Retirement Partners' 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 Summit Wealth and Retirement Partners 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/285972

**Does Summit Wealth and Retirement Partners state an account minimum?**
Its Form ADV Part 2A brochure dated March 9, 2026 says: "The minimum aggregate household account value required to open and maintain an account with Adviser is generally $500,000, subject to negotiation."

**What changed in Summit Wealth and Retirement Partners' recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 6 to 7. Regulatory assets under management went from $824,768,246 to $978,085,825 (+19%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 9, 2026)

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> The minimum aggregate household account value required to open and maintain an account with Adviser is generally $500,000, subject to negotiation.

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: $978,085,825
- Discretionary: $704,664,426
- Non-discretionary: $273,421,399

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 152 | $68,204,368 |
| High net worth individuals | 194 | $900,550,334 |
| 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 | Fewer than 5 | $122,885 |
| 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 | 8 | $9,208,238 |
| 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
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2017 (9 years)
- Employees: 12 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, ID, NV, NY, OH, OR, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- San Ramon, CA

### Websites listed on Form ADV (Item 1.I)
- robertcucchiaro.com
- summitwealthandretirement.com
- LinkedIn @summit-wealth-retirement-partners

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $610,416,937 | 10 | September 10, 2021 |
| October 2022 | $697,016,993 | 11 | June 30, 2022 |
| October 2023 | $642,042,879 | 11 | September 19, 2023 |
| October 2024 | $721,011,171 | 10 | September 19, 2024 |
| October 2025 | $824,768,246 | 11 | June 25, 2025 |
| October 2026 | $978,085,825 | 12 | March 9, 2026 |

Regulatory assets under management: $610,416,937 in the October 2021 data and $978,085,825 in the October 2026 data, up 60%.
Total employees: 10 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 6 to 7.
- Regulatory assets under management went from $824,768,246 to $978,085,825 (+19%).

### December 2025
- Registered or notice-filed in CO.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Summit Wealth and Retirement Partners (CRD 285972): Form ADV filing data as of October 2026.