65 and Sunny! Registered Investment Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,000,000
Clients
5
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
5
Very LowAverage account size
$400,000
About
65 and Sunny! Registered Investment Advisors provides retirement-focused advice and portfolio management to individuals, trusts, non-profit organizations and pension plans, with a particular emphasis on planning for federal and civilian employees. The firm offers comprehensive retirement cash‑flow forecasting, Social Security maximization analysis, Medicare insurance guidance and implementation of brokerage, annuity and insurance solutions.
The firm’s investment approach prioritizes preservation of capital for retirees, using specialized retirement‑planning software, Monte Carlo simulations and longevity solvency testing to evaluate alternatives and stress‑test cash flows. It operates as a hybrid adviser able to deliver fee‑based portfolio management, commissionable products, or combinations of both, and explicitly monitors the financial strength of guarantee providers when recommending insurance or annuity solutions.
Noteworthy features relative to peers include a compensation model that can involve significant commissionable business while crediting commissionable assets toward advisory fee breakpoints, and the principal’s credentials as a Chartered Federal Employee Benefits Consultant combined with licensure as an insurance producer. The firm also uses account‑aggregation technology, accepts discretionary authority while accommodating client‑directed accounts, and provides standalone retirement reports and planning engagements tailored to retiree needs.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Newsletters or periodicals
Educational seminars or workshops
Expertise
Retirement income strategy
Social Security optimization
Medicare planning
Annuities
Long-term care insurance
Occupation focus
Government Employee
Demographic focus
Approaching retirement
Retired
Fee options
Individual Retirement Plans and Cash Flow Forecasts range from $199 to $599, may be more for complex cases.
$0 - $249,999: 1.25% $250,000 - $1,499,999: 1.00% $1,500,000 - $2,999,999: 0.80% $3,000,000 - $4,999,999: 0.70% $5,000,000 - $9,999,999: 0.60% $10,000,000+: 0.50%
Commissions may be charged on purchase or sale of securities, fixed income products, mutual funds, annuities, and insurance products; commissionable assets credited toward fee breakpoints.
$175 per hour for limited engagements.
Fee-only: Fee-only advisory services available; fee schedule provided.
Main office location
65 and Sunny! Registered Investment Advisors, LLC
Annandale NJ, United States
Number of offices
2
Most active in
65 and Sunny! Registered Investment Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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