Cardinal Retirement Planning, Inc.

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Client assets under management

$94,519,388

Clients

101

26% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$935,836

About

Cardinal Retirement Planning serves primarily pre-retirees and retirees, along with high‑net‑worth individuals and select business and nonprofit clients. The firm offers financial planning and consulting, discretionary and non‑discretionary portfolio management (including variable annuity asset management), econometric consulting, and ERISA retirement‑plan advisory services.

Its investment process uses a top‑down approach that combines proprietary quantitative econometric models with fundamental, technical and cyclical analysis to build Benchmark+ model portfolios and client‑directed strategies. The firm implements tactical strategies that can include options and margin, and it also arranges relationships with third‑party money managers while providing ongoing oversight to referred accounts.

Compared with peers of similar size, Cardinal is notable for maintaining in‑house econometric expertise and model‑driven research despite a small adviser team and mid‑six‑figure AUM, which is less common for firms this size. The firm and its advisers have outside insurance and tax‑preparation affiliations, and the brochure discloses the use of borrowing in managed accounts and referral fee arrangements — features that the firm identifies and addresses as potential conflicts.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

General retirement planning Tax strategies for small businesses College savings (529s, UTMA, etc.) Options & derivatives strategies

Occupation focus

Retired Founder/Business Owner

Demographic focus

Approaching retirement

Fee options

Fixed

Ongoing consulting initial fee $500-$5,000 plus quarterly fees $250-$2,250; project-based fees with 50% or $600 upfront payment.

Percentage

$0 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 0.80% $2,000,001+: 0.60%

Commissions

Certain representatives receive commissions from insurance product sales through affiliated insurance agency.

Project-based

Project-based financial planning consulting services offered up to $350 per hour.

Other

Account minimum: $250,000 Minimum fee: Ongoing consulting fees include an initial upfront fee of $500 to $5,000 plus a quarterly recurring fee between $250 and $2,250. Fee-only: Financial planning and consulting fees charged on a flat fee or hourly basis.

Most active in

Florida · North Carolina · Ohio · South Carolina · Texas · Virginia

Disclosures

Business activities & affiliations

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.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 919-439-2114

Advisors at this firm

Jacob Y

CFP®, Series 65

Durham, NC

Cardinal Retirement Planning, Inc.

Jacob Yocco is a CFP® with seven years of industry experience, currently serving as a financial advisor at Cardinal Retirement Planning, Inc. in Durham, NC. He has worked at Cardinal Retirement Planning since 2018 and is also involved with Damis, Inc. as an insurance agent. Outside of his advisory roles, he serves as treasurer for the Pi Lambda Phi Omega Beta Alumni Association. Cardinal Retirement Planning primarily serves pre-retirees, retirees, high-net-worth individuals, businesses, and nonprofit clients, offering comprehensive financial planning and portfolio management. The firm employs a top-down macroeconomic investment approach supported by proprietary quantitative models and allows strategies ranging from long-term buy-and-hold to tactical trading, including the use of leverage and margin in managed accounts.

General retirement planning Tax strategies for small businesses College savings (529s, UTMA, etc.) Options & derivatives strategies Retired Founder/Business Owner Approaching retirement

Anessa C

Series 65

Durham, NC

Cardinal Retirement Planning, Inc.

Anessa Custovic is a Series 65-licensed financial advisor with Cardinal Retirement Planning, Inc. in Durham, NC, bringing five years of industry experience. Her prior roles include working at Tower Street Associates and the University of North Carolina at Chapel Hill. Outside of financial advising, she operates a dog training business. Cardinal Retirement Planning primarily serves pre-retirees, retirees, high-net-worth individuals, businesses, and non-profits with comprehensive financial planning and portfolio management. The firm employs a top-down macroeconomic investment approach supported by proprietary econometric models and offers services ranging from long-term buy-and-hold strategies to tactical trading and options.

General retirement planning Tax strategies for small businesses College savings (529s, UTMA, etc.) Options & derivatives strategies Retired Founder/Business Owner Approaching retirement

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