CochranMickels Retirement Specialists, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$30,312,799
Total clients
42
21% high-net worth
Total advisors
2
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
21
Average account size
$721,733
About
CochranMickels Retirement Specialists is a small, two-advisor registered investment adviser that serves individuals and high-net-worth clients, providing discretionary and non-discretionary asset management alongside standalone financial planning and consulting. The firm manages about $30.3 million for roughly 42 client relationships and documents client goals and investment restrictions in individual client files.
The firm’s investment process combines fundamental analysis and Modern Portfolio Theory to build customized asset allocations and long-term purchase strategies, with periodic rebalancing and quarterly account reviews that consider tax-loss harvesting opportunities. Clients may impose written restrictions (for example, socially conscious investing), and the firm delivers full financial plans or targeted consultations based on each client’s stated objectives and risk tolerance.
A notable feature is the firm’s affiliation with an insurance business: one owner maintains an independent insurance agency and sells insurance products for separate compensation, a relationship the brochure discloses and describes as mitigated by disclosures and the firm’s fiduciary obligations. Operationally, the firm requires use of specified custodians (Altruist or Interactive Brokers), does not vote client proxies (clients receive and vote their own proxies), and discloses that advisory representatives may receive external insurance commissions — distinctions that are less common among peers in this advisor category.
Client services
Expertise
Fee options
Full financial plans charged a flat fee between $2,500 and $5,000.
$0 - $50,000: 1.45% $50,000.01 - $100,000: 1.40% $100,000.01 - $250,000: 1.35% $250,000.01 - $500,000: 1.30% $500,000.01 - $1,000,000: 1.25% $1,000,000.01 - $2,000,000: 1.00% $2,000,000.01 - $5,000,000: 0.80% $5,000,000.01 - $10,000,000: 0.60% $10,000,000.01+: 0.50%
$300 per hour for financial consultation services.
Main office location
CochranMickels Retirement Specialists, LLC
4801 University Square Drive,, Suite 26
Huntsville AL 35816, United States
Number of offices
1
Most active in
Alabama · Florida · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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.
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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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