# Spahn Wealth & Retirement

Spahn Wealth & Retirement is a Bank / Wealth / Trust based in Scottsdale, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Scottsdale, United States
- **Region:** North America
- **Address:** 4310 North 75th Street, Scottsdale, AZ 85251, United States
- **Founded:** 2016
- **Assets under management:** Undisclosed
- **Website:** spahnwealth.com
- **LinkedIn:** https://linkedin.com/company/spahn-wealth-&-retirement-llc

## Regulatory record

- **CRD number:** 285932
- **SEC file number:** 801-125766
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-03-23T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/285932

## About

Founded in 2016 by Kyle Spahn, a Certified Financial Planner with a two-decade career, Spahn Wealth & Retirement operates from Scottsdale, Arizona. The firm structures its advice around a five-step process — assess, identify, design, implement, and monitor — that starts with a client's risk tolerance and retirement timeline. Spahn's independence from bank, brokerage, or insurance-company ownership forms the core of its pitch to clients. The firm deploys capital through customized, risk-managed investment portfolios built for individual retirees and high-net-worth investors. Asset classes are selected and mixed based on each client's personal goals rather than a house model. Spahn Wealth & Retirement emphasizes a transparent, fee-only structure: it earns no commissions on product sales, which it argues removes a conflict of interest present at many advisory practices housed inside larger financial conglomerates. The website does not disclose specific third-party fund families, direct indexing providers, or alternative-asset platforms it uses. Kyle Spahn runs the practice as its sole named advisor. The firm has not disclosed total assets under management, the number of client households it serves, or the size of its team. An ASU graduate, Spahn holds the CFP® designation — one of the more rigorous credentials in personal financial planning — and the firm's address on North 75th Street places it in a professional-services corridor north of downtown Scottsdale. As an independent RIA, Spahn Wealth & Retirement sits on the smaller, high-accountability end of a fragmented advice industry. Its structural differentiator is regulatory: the firm's fiduciary duty to clients is legally embedded via its RIA status, and it does not share revenue with a parent company's product manufacturing arm. For allocators evaluating manager research, the firm's posture is captive-wealth management for Arizona-based mass-affluent and high-net-worth households — there is no evidence it participates in institutional fund commitments or GP-style direct investing.

## Sectors

- Wealth Management

## People

- Kyle Spahn — Founder and Certified Financial Planner (CFP®)

## Questions

### Who makes the investment decisions at Spahn Wealth & Retirement?

Kyle Spahn, the firm's founder, serves as the single named advisor and holds the CFP® designation. The firm's website does not list any additional investment-committee members or external sub-advisors. In practice, portfolio construction and ongoing rebalancing appear to sit with Spahn himself.

### How does Spahn Wealth & Retirement charge for its services?

The firm operates as a fee-only Registered Investment Advisor. It explicitly states that it does not collect commissions on product sales, which it frames as a structural advantage over advisors housed inside banks, brokerages, or insurance companies. Specific fee schedules are not published on the public website.

### Does the firm act as a fiduciary?

Yes. Because Spahn Wealth & Retirement is structured as an RIA, it is bound by the Investment Advisers Act of 1940 to act as a fiduciary to its clients. The firm underscores this on its website, stating it is 'accountable to you and will always act in your best interest.'

### What types of clients does Spahn Wealth & Retirement serve?

The firm states it advises individuals and high-net-worth individuals, with a heavy emphasis on retirement planning. Its process is built around each client's time horizon and risk tolerance rather than a standardized model portfolio. There is no indication it serves institutional clients such as endowments or pensions.

### Is Spahn Wealth & Retirement affiliated with a larger bank or insurance company?

No. The firm emphasizes its independence from any bank, brokerage, or insurance company. This separation is central to its value proposition: because it is not tied to a product-manufacturing parent, it can recommend investments without a commission-based incentive.

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Last updated: 2026-07-06T00:38:27.095Z

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