Martello Retirement and Wealth, LLC

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Client assets under management

$34,419,113

Clients

100% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$5,736,519

About

Martello Retirement and Wealth is a fee-only advisory firm that serves individual and high‑net‑worth clients, with a particular focus on those nearing or in retirement. The firm offers comprehensive financial planning and portfolio management covering retirement, tax, estate, insurance, and investment planning, delivered by a two‑advisor team managing roughly $34 million in client assets for a very small client base.

The firm follows a planning‑first philosophy that makes comprehensive financial planning the foundation for any investment relationship, rather than treating planning as an optional add‑on. Martello provides both discretionary management and nondiscretionary portfolio monitoring, but most client assets are held in nondiscretionary arrangements; it also uses rules‑based, quantitative strategies implemented predominantly with ETFs and may recommend private funds only to qualified clients.

Distinctive elements include the firm’s uncommon reliance on nondiscretionary AUM—clients typically retain final trading authority—and its policy of not accepting clients who want asset management without the planning process. The two‑advisor team brings advanced professional credentials (including CFP® and CFA® among other designations) and institutional investment experience that inform the firm’s tax‑aware, retirement‑focused planning and monitoring approach.

Client services

Financial planning Portfolio management Signal provider services

Expertise

General retirement planning Retirement income strategy Social Security optimization Medicare planning Tax strategies for small businesses

Demographic focus

Approaching retirement Retired HENRY (High Earners, Not Rich Yet)

Fee options

Fixed

Flat annual fee of $3,600 for comprehensive financial planning services

Percentage

$0 - $1,000,000: 0.65% annually $1,000,001 - $3,000,000: 0.75% annually $3,000,001 - $5,000,000: 0.60% annually $5,000,001 - $10,000,000: 0.45% annually $10,000,000+: 0.00%

Project-based

Hourly fees for standalone financial planning services on a limited basis (specific rates not stated)

Other

Minimum fee: $11,000 minimum annual fee for discretionary or nondiscretionary portfolio management services (includes financial planning and investment management) Fee-only: Fee-only financial planning services at a flat annual fee of $3,600, billed mostly quarterly in advance

Main office location

Martello Retirement and Wealth, LLC

200 Bendix Rd, Suite 170

Virginia Beach VA 23454, United States

Number of offices

Most active in

Florida · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

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

Quick links

LinkedIn Facebook Instagram Website 757-664-9400

Advisors at this firm

Arthur G

CFA®

Virginia Beach, VA

Martello Retirement and Wealth, LLC

Arthur Grizzle is a CFA® charterholder with eight years of industry experience. He is currently a financial advisor at Martello Retirement and Wealth, LLC and has held roles at Huntington Ingalls Industries and Vantage Consulting Group. Outside of his advisory work, he manages the pension plan’s alternative investment program at Huntington Ingalls Industries. Martello Retirement and Wealth serves individual and high-net-worth clients, focusing on those nearing or in retirement. The firm provides fee-only financial planning and portfolio management with a planning-first approach that integrates multiple aspects of clients’ financial lives and primarily uses passive ETFs alongside quantitative and proprietary strategies.

General retirement planning Retirement income strategy Social Security optimization Medicare planning Tax strategies for small businesses Approaching retirement Retired HENRY (High Earners, Not Rich Yet)

Charles C

CFP®, Series 65

Virginia Beach, VA

Martello Retirement and Wealth, LLC

Charles Culver is a CERTIFIED FINANCIAL PLANNER™ professional with eight years of industry experience. He is currently with Martello Retirement and Wealth, LLC in Virginia Beach, VA. His prior experience includes roles at Bankers Healthcare Group and StratusLIVE. Martello Retirement and Wealth serves individual and high-net-worth clients, focusing on those nearing or in retirement, and offers fee-only comprehensive financial planning alongside portfolio management and consulting. The firm emphasizes a planning-first approach and typically implements portfolios using passive ETFs and quantitative strategies, managing most client assets on a non-discretionary basis.

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