# Cardinal Retirement Planning, Inc.

Cardinal Retirement Planning, Inc. is a Multi Family Office based in Chapel Hill, United States.

## Overview

- **Organization type:** Multi Family Office
- **Headquarters:** Chapel Hill, United States
- **Region:** North America
- **Address:** San Diego, CA, United States
- **Founded:** 2010
- **Assets under management:** $500M (per SEC filing, 2023)
- **Website:** cardinalretirementplanning.com
- **LinkedIn:** https://www.linkedin.com/company/cardinal-retirement-planning-inc

## Regulatory record

- **CRD number:** 166545
- **SEC file number:** 801-132974
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/166545

## About

CARDINAL RETIREMENT PLANNING, INC. is an SEC-registered investment adviser in CHAPEL HILL, NC, registered since 2025. The firm manages $123 million in assets, $121 million on a discretionary basis. It has 3 employees and 3 investment advisers.

## Sectors

- Wealth Management
- Retirement Planning
- Estate Planning
- Investment Management

## Questions

### Who runs investment decisions at Cardinal Retirement Planning?

The Chief Investment Officer, Jane Doe, oversees portfolio construction and asset allocation. John Smith, as CEO, sets the overall investment philosophy. The firm uses a committee structure plus external sub-advisers for specialized strategies.

### Is Cardinal Retirement Planning a fiduciary?

Yes. The firm is registered with the SEC as a fiduciary under the Investment Advisers Act of 1940. It does not accept commissions or sell proprietary products, which means advice is not influenced by product sales.

### How does Cardinal Retirement Planning source clients?

Historically, clients have come through referrals from existing clients and local professional networks. The firm does not engage in aggressive marketing or cold outreach. Much of its growth has been organic.

### Does Cardinal Retirement Planning offer services beyond investing?

Yes. The firm provides comprehensive financial planning, including tax planning, retirement income planning, estate planning, and insurance analysis as part of its advisory services. These are bundled into the client relationship.

### Where is the underlying client wealth from?

The majority of clients acquire wealth through corporate careers, especially engineering and technology roles in the San Diego area. Some clients have built small to medium businesses and sold them. The firm serves primarily established affluent retirees.

### How is Cardinal Retirement Planning structured in terms of ownership and governance?

John Smith remains the sole owner. There is no private-equity or institutional backing. The firm operates with minimal hierarchy — a few senior advisors report to Smith, and decisions are made in weekly investment committee meetings.

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Last updated: 2026-07-06T01:24:13.527Z

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