Retirement Capital Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$11,324,029
Clients
67
0% high-net worth
Advisors
1
of 5 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
67
HighAverage account size
$169,015
About
Retirement Capital Advisors serves individual and high‑net‑worth clients by providing discretionary and non‑discretionary portfolio management and retirement‑account fiduciary advice. The firm prepares an Investment Policy Statement for each client and implements ongoing portfolio monitoring across fixed‑income securities, insurance products (including annuities), equities, and ETFs.
The firm’s investment approach is anchored in modern portfolio theory and a long‑term trading horizon, with recommendations tailored to each client’s risk tolerance and time horizon documented in the IPS. Retirement Capital Advisors generally seeks discretionary authority to execute transactions and performs at least quarterly reviews to reconcile portfolios with client objectives.
The firm’s ADV discloses an affiliation in which a principal acts as a licensed insurance agent and owner of an insurance business; the brochure describes the resulting conflicts of interest when insurance products are recommended and the policies the firm uses to address them, a feature that is uncommon among peers. It also discloses operational practices that differ from many peers—such as not aggregating block trades for multiple clients, permitting client‑directed brokerage, and recommending a specific custodian—which can influence trade execution and costs.
Client services
Financial planning
Portfolio management
Expertise
Annuities
Fee options
$0 - $500,000: 1.25% $500,001 - $1,500,000: 1.00% $1,500,001 - $3,000,000: 0.85% $3,000,001 - $5,000,000: 0.75% $5,000,001+: 0.60%
Fee-only: Asset-based portfolio management fees as per tiered schedule
Main office location
Retirement Capital Advisors
2000 Palm Beach Lakes Blvd, Suite 734
West Palm Beach FL 33409, United States
Number of offices
1
Most active in
Retirement Capital Advisors has reported serving >5 clients in these states in the last 12 months.
Florida
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.
-
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
Quick links
LinkedIn
Facebook
X
Instagram
YouTube
Website
561-784-7910
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