# Thrive Retirement Specialists

> Thrive Retirement Specialists is an SEC-registered investment advisory firm in Royal Oak, MI, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 22, 2026.

- CRD: 310289
- Filed as: THRIVE RETIREMENT SPECIALISTS
- Legal name: Thrive Retirement Specialists L.L.C.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Royal Oak, MI
- Filing period: October 2026
- Form ADV filing dated: March 22, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/310289
- AdvisorCensus page: https://advisorcensus.com/firm/thrive-retirement-specialists-royal-oak-mi-310289

## Quick answers

**How is Thrive Retirement Specialists compensated?**
On its Form ADV (Item 5.E, October 2026), Thrive Retirement Specialists reports these compensation arrangements: fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Thrive Retirement Specialists located?**
Thrive Retirement Specialists' principal office is in Royal Oak, MI, according to its Form ADV.

**Is Thrive Retirement Specialists registered with the SEC or a state?**
Thrive Retirement Specialists is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 310289.

**How much does Thrive Retirement Specialists manage?**
Thrive Retirement Specialists reports $303,880,397 in regulatory assets under management in its Form ADV filing dated March 22, 2026 (100% discretionary).

**How have Thrive Retirement Specialists' assets and staff changed since 2024?**
In the Form ADV data for Thrive Retirement Specialists: Regulatory assets under management: $128,281,869 in the October 2024 data and $303,880,397 in the October 2026 data, up 137%. Total employees: 2 in October 2024 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Thrive Retirement Specialists serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (70).

**Which custodians does Thrive Retirement Specialists use?**
Thrive Retirement Specialists' 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 Thrive Retirement Specialists 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/310289

**What changed in Thrive Retirement Specialists' recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $209,524,228 to $303,880,397 (+45%).

## From the Form ADV filing

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

### 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: $303,880,397
- Discretionary: $303,880,397
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| High net worth individuals | 70 | $303,880,397 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2023 (2 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, MI, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- thriveretire.com
- LinkedIn @72243899

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $128,281,869 | 2 | February 28, 2024 |
| October 2025 | $209,524,228 | 2 | February 18, 2025 |
| October 2026 | $303,880,397 | 2 | March 22, 2026 |

Regulatory assets under management: $128,281,869 in the October 2024 data and $303,880,397 in the October 2026 data, up 137%.
Total employees: 2 in October 2024 and 2 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $209,524,228 to $303,880,397 (+45%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Thrive Retirement Specialists (CRD 310289): Form ADV filing data as of October 2026.