# The Retirement Guys Formula

> The Retirement Guys Formula is an SEC-registered investment advisory firm in Maumee, OH, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 8, 2026.

- CRD: 168561
- Filed as: THE RETIREMENT GUYS FORMULA
- Legal name: The Retirement Guys Formula LLC
- Also doing business as: AMERICA'S RETIREMENT HEADQUARTERS, BULL MOOSE RETIREMENT, EISERT WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Maumee, OH
- Filing period: October 2026
- Form ADV filing dated: September 8, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/168561
- AdvisorCensus page: https://advisorcensus.com/firm/the-retirement-guys-formula-maumee-oh-168561

## Quick answers

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

**How much does The Retirement Guys Formula charge?**
Its Form ADV Part 2A brochure dated February 13, 2026 states: Asset-based fee: 1% to 2% a year (a range, as the brochure states it); Hourly rate: $350 an hour (financial planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is The Retirement Guys Formula located?**
The Retirement Guys Formula's principal office is in Maumee, OH, according to its Form ADV; the October 2026 filing also lists 3 other offices (Schedule D, Section 1.F).

**Is The Retirement Guys Formula registered with the SEC or a state?**
The Retirement Guys Formula is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 168561.

**How much does The Retirement Guys Formula manage?**
The Retirement Guys Formula reports $276,913,975 in regulatory assets under management in its Form ADV filing dated September 8, 2026 (100% discretionary).

**How have The Retirement Guys Formula's assets and staff changed since 2021?**
In the Form ADV data for The Retirement Guys Formula: Regulatory assets under management: $147,557,783 in the October 2021 data and $276,913,975 in the October 2026 data, up 88%. Total employees: 11 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does The Retirement Guys Formula serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,122); high net worth individuals (30); corporations or other businesses not listed above (2).

**Which custodians does The Retirement Guys Formula use?**
The Retirement Guys Formula's 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 The Retirement Guys Formula report any disciplinary disclosures?**
Reports 3 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), 11.D(2) (another regulator's finding of a violation), and 11.D(4) (another regulator's order in the past ten years). 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 SEC record: https://adviserinfo.sec.gov/firm/summary/168561

**What changed in The Retirement Guys Formula's recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in NE.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated February 13, 2026)

- Asset-based fee: 1% to 2% a year (a range, as the brochure states it)

> Generally, Asset Management fees will range from 1.00% to 2.00% per annum. Still, fees outside this range may be negotiated, as the stated range is a general guide.

- Hourly rate: $350 an hour (financial planning)

> a return of unearned fees will not be pro-rated according to days, but rather hours expended based upon advisor’s $350 hourly rate.

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: $276,913,975
- Discretionary: $276,913,975
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,122 | $223,776,381 |
| High net worth individuals | 30 | $52,302,274 |
| 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 | 1 | $328,400 |
| 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 | 2 | $506,920 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2020 (6 years)
- Employees: 7 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, FL, IL, IN, MI, NC, NE, OH, PA, SC, TX
- Disclosures (Item 11): Reports 3 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?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?

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 SEC record: https://adviserinfo.sec.gov/firm/summary/168561

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Cincinnati, OH
- Dayton, OH
- Sylvania, OH

### Websites listed on Form ADV (Item 1.I)
- americasretirementacademy.com
- americasretirementheadquarters.com
- bullmoosewealth.com
- eisertwealthmanagement.com
- retirementguysformula.com
- retirepittsburgh.com
- Facebook @RetirementGuysFormula
- Facebook @americasretirementheadquarters
- Instagram @americasretirementheadquarters
- LinkedIn @america-s-retirement-headquarters

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $147,557,783 | 11 | August 3, 2021 |
| October 2022 | $187,631,593 | 13 | June 21, 2022 |
| October 2023 | $200,948,938 | 12 | August 10, 2023 |
| October 2024 | $250,070,520 | 13 | September 19, 2024 |
| October 2025 | $300,603,838 | 10 | February 25, 2025 |
| October 2026 | $276,913,975 | 7 | September 8, 2026 |

Regulatory assets under management: $147,557,783 in the October 2021 data and $276,913,975 in the October 2026 data, up 88%.
Total employees: 11 in October 2021 and 7 in October 2026.

## Changes in the filing (last 12 months)

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

### March 2026
- No longer lists the business name Retire Pittsburgh.
- Employees performing advisory functions went from 10 to 7.
- No longer lists an office in Murrysville, PA.
- No longer lists an office in Pittsburgh, PA.
- No longer lists an office in Zelienople, PA.

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

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. The Retirement Guys Formula (CRD 168561): Form ADV filing data as of October 2026.