# True North Retirement Advisors, LLC

> True North Retirement Advisors, LLC is an SEC-registered investment advisory firm in Clackamas, OR, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 11, 2026.

- CRD: 290885
- Filed as: TRUE NORTH RETIREMENT ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Clackamas, OR
- Filing period: October 2026
- Form ADV filing dated: March 11, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/290885
- AdvisorCensus page: https://advisorcensus.com/firm/true-north-retirement-advisors-llc-clackamas-or-290885

## Quick answers

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

**How much does True North Retirement Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated March 11, 2026 states: Asset-based fee: 0.4% to 1% a year (a range, as the brochure states it); Flat fee: $2,500 to $6,000 (financial planning only). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is True North Retirement Advisors, LLC located?**
True North Retirement Advisors, LLC's principal office is in Clackamas, OR, according to its Form ADV.

**Is True North Retirement Advisors, LLC registered with the SEC or a state?**
True North Retirement Advisors, LLC is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 290885.

**How much does True North Retirement Advisors, LLC manage?**
True North Retirement Advisors, LLC reports $460,887,057 in regulatory assets under management in its Form ADV filing dated March 11, 2026 (90% discretionary).

**How have True North Retirement Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for True North Retirement Advisors, LLC: Regulatory assets under management: $291,143,931 in the October 2021 data and $460,887,057 in the October 2026 data, up 58%. Total employees: 7 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 True North Retirement Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (241); high net worth individuals (124); pension and profit sharing plans (but not the plan participants or government pension plans) (17).

**Which custodians does True North Retirement Advisors, LLC use?**
True North Retirement Advisors, LLC'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 True North Retirement Advisors, LLC 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/290885

**Does True North Retirement Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 11, 2026 says: "True North Advisors has no set account minimums, but fees are generally not negotiable." "True North Advisors has no minimum account size for opening or maintaining an account."

**What changed in True North Retirement Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 4 to 3.

## 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 11, 2026)

- Asset-based fee: 0.4% to 1% a year (a range, as the brochure states it)

> True North Advisors charges annual asset-based advisory fees for this combined service that typically vary between 0.40% and 1.00% per year of the market value of the assets you place under our management.

- Account minimum: None

> True North Advisors has no set account minimums, but fees are generally not negotiable.

> True North Advisors has no minimum account size for opening or maintaining an account.

- Flat fee: $2,500 to $6,000 (financial planning only)

> For our financial planning only clients, fixed fees typically range from $2,500 - $6,000 per engagement, but will vary based on the scope and complexity of financial planning services required.

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: $460,887,057
- Discretionary: $415,906,737
- Non-discretionary: $44,980,320

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 241 | $91,032,217 |
| High net worth individuals | 124 | $324,179,078 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 17 | $44,980,320 |
| Charitable organizations | Fewer than 5 | $695,442 |

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

### Firm details
- Registered since: 2018 (8 years)
- Employees: 7 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, ID, NH, OR, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- truenorthretirementadvisors.com
- Facebook @truenorthretirement
- LinkedIn @truenorthra
- LinkedIn @ashley-micciche-2a7a2518
- YouTube @UCim3lHfNVbrmDQHkniqmc6g

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $291,143,931 | 7 | March 10, 2021 |
| October 2022 | $340,603,083 | 7 | March 23, 2022 |
| October 2023 | $314,419,926 | 8 | March 15, 2023 |
| October 2024 | $356,735,780 | 8 | March 15, 2024 |
| October 2025 | $430,170,105 | 8 | March 31, 2025 |
| October 2026 | $460,887,057 | 7 | March 11, 2026 |

Regulatory assets under management: $291,143,931 in the October 2021 data and $460,887,057 in the October 2026 data, up 58%.
Total employees: 7 in October 2021 and 7 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 4 to 3.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. True North Retirement Advisors, LLC (CRD 290885): Form ADV filing data as of October 2026.