Shepherd Wealth & Retirement LLC

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Client assets under management

$95,376,981

Clients

129

36% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$739,356

About

Shepherd Wealth & Retirement advises individuals (including high‑net‑worth clients) and institutional clients such as pension and profit‑sharing plans, providing discretionary and non‑discretionary portfolio management, 3(21)/3(38) retirement‑plan consulting, and standalone financial planning and consulting. The firm works with a range of client types—individuals, business entities, trusts, estates and charitable organizations—and offers participant education and referrals to other professionals for implementation when requested.

The firm customizes asset allocations to clients’ financial goals and risk tolerance and primarily implements portfolios using mutual funds, exchange‑traded funds, individual equities and fixed income, with regular account reviews and reporting. Shepherd Wealth & Retirement also uses derivative‑based tools in separately managed accounts—such as options, inverse/enhanced ETFs, long/short funds and structured notes—for hedging and tactical exposure, and allows clients to impose written restrictions on the use of those strategies.

A notable distinguishing feature is an affiliation with an insurance firm, Retirement Financial Services, Inc.; related persons are licensed insurance agents who may recommend commissionable insurance products and the firm can manage variable annuity sub‑accounts. The combination of insurance affiliations, use of structured notes and private investment funds, and explicit use of derivatives in managed accounts is less common among peers and introduces specific liquidity, counterparty and conflict‑of‑interest considerations that clients should review.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Retirement plans for business owners (SEP, solo 401k) Options & derivatives strategies Private / alternative investments

Fee options

Fixed

Financial planning fixed fees generally up to $15,000

Percentage

Less Than $200,000 - $199,999: 1.75% $200,000 - $499,999: 1.50% $500,000 - $1,999,999: 1.25% $2,000,000 - $4,999,999: 1.15% $5,000,000+: 1.00%

Commissions

Certain related persons are licensed insurance agents and may receive commissions from insurance products

Project-based

Up to $500 per hour for financial planning and consulting services

Other

Fee-only: Financial planning fees generally up to $15,000 fixed fee and up to $500 hourly rate

Main office location

Shepherd Wealth & Retirement LLC

6300 E. El Dorado Plaza, A200

Tucson AZ 85715, United States

Number of offices

Most active in

Arizona · Texas

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

Quick links

LinkedIn Facebook Website 520-325-1600

Advisors at this firm

Sherry M

Series 63, Series 65

Tucson, AZ

Shepherd Wealth & Retirement LLC

Sherry Miller is a financial advisor at Shepherd Wealth & Retirement LLC with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at LPL Financial LLC and Retirement Financial Services, Inc. Miller has been involved with Retirement Financial Services, Inc., a non-variable insurance business, since 1995. Shepherd Wealth & Retirement advises individual and institutional clients, including high-net-worth individuals and retirement plans, offering discretionary and non-discretionary portfolio management, retirement-plan consulting, and financial planning. The firm customizes asset allocations based on clients’ goals and risk tolerance and employs a range of investment strategies, including the use of derivatives and insurance products through its affiliation with Retirement Financial Services, Inc.

Retirement plans for business owners (SEP, solo 401k) Options & derivatives strategies Private / alternative investments

David S

CFP®, Series 63, Series 65

Tucson, AZ

Shepherd Wealth & Retirement LLC

David Shepherd is a CFP® professional with 24 years of industry experience, currently serving at Shepherd Wealth & Retirement LLC since 2019. He previously worked at Shepherd Wealth Group, Inc. and LPL Financial, LLC, with a career spanning over two decades. Shepherd is also involved part-time in a non-variable insurance and retirement financial services business. Shepherd Wealth & Retirement advises individuals, including high-net-worth clients, and institutional clients such as pension and profit-sharing plans. The firm offers portfolio management, retirement-plan consulting, and financial planning services, employing customized asset allocations and a range of investment vehicles, including derivatives and structured notes, with options for client-imposed restrictions.

Retirement plans for business owners (SEP, solo 401k) Options & derivatives strategies Private / alternative investments

David S

CFP®, ChFC®, Series 63, Series 65

Tucson, AZ

Shepherd Wealth & Retirement LLC

David Shepherd is a CFP® and ChFC® with 36 years of industry experience. He is the principal of Shepherd Wealth & Retirement LLC in Tucson, AZ, where he has worked since 2019. Prior to this, he held roles at LPL Financial, LLC and has been involved with Retirement Financial Services, Inc., an insurance-related business, since 1986. Shepherd Wealth & Retirement advises individuals, including high-net-worth clients, as well as institutional clients such as pension and profit-sharing plans. The firm provides portfolio management, retirement-plan consulting, and financial planning, utilizing a range of investment strategies including mutual funds, ETFs, individual securities, and derivatives for hedging and tactical exposure.

Retirement plans for business owners (SEP, solo 401k) Options & derivatives strategies Private / alternative investments

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