360 Ira
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
360 IRA is a fee-based financial planning and investment management firm that offers discretionary asset management, written financial plans, and educational seminars and workshops. The firm works with individual clients and documents client goals and risk profiles to guide ongoing portfolio management and planning.
The firm typically accepts discretionary authority to implement investment strategies and uses fundamental and technical analysis, periodic account reviews, and third‑party managers when appropriate; it does not serve as custodian of client assets. 360 IRA also serves as a liaison to third‑party managers, receiving and sharing referral compensation and monitoring those managers on an ongoing basis.
Several features distinguish the firm from many peers: it holds public seminars and workshops at no charge, affiliated representatives are licensed to sell insurance products, and firm principals operate separate businesses providing benefits research and training for federal employees and estate/tax services. Notably, despite offering discretionary asset management and serving roughly 180 clients, the firm reported $0 in discretionary and non‑discretionary assets under management as of its most recent filing, and its compensation arrangements with third‑party managers and insurance activities are disclosed as potential conflicts of interest.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
$0+: up to 1.00% annually based on total assets managed; fee negotiable $0 - $500,000: Fee Schedule I: 1.50% max annual fee (combined with TPM fees) $500,000 - $1,000,000: Fee Schedule I: 1.35% max annual fee (combined with TPM fees) $1,000,000+: Fee Schedule I: 1.15% max annual fee (combined with TPM fees) $0 - $500,000: Fee Schedule II: 1.95% max annual fee (combined with TPM fees) $500,000 - $1,000,000: Fee Schedule II: 1.75% max annual fee (combined with TPM fees) $1,000,000+: Fee Schedule II: 1.50% max annual fee (combined with TPM fees) $0 - $500,000: Fee Schedule III: advisor retention 1.00% $500,000 - $1,500,000: Fee Schedule III: advisor retention 1.00% $1,500,000+: Fee Schedule III: advisor retention 1.00%
Fee-only: Fixed fees for financial planning between $99 and $10,000, due upon delivery
Main office
See office424 Jefferson Street
St. Charles MO 63301
Advisors at this office
2
Offices (2)
Most active in
Alaska · Arkansas · Illinois · Missouri · Pennsylvania · Tennessee · Texas
Also doing business as
360 Investment And Retirement Advisory, LLC · 360 Ira
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Jeremiah N
Series 65
St. Charles, MO
360 Ira
Jeremiah North is a financial advisor with 14 years of industry experience, currently practicing at 360 IRA in St. Charles, MO. He holds a Series 65 designation and has worked with firms including Brookstone Capital Management and multiple affiliated entities under the 360 IRA umbrella. Outside of investment advisory, he spends part of his time providing federal benefits research, training, and consulting through US FEDS LLC. 360 IRA is a fee-based financial planning and investment management firm serving individual clients through discretionary asset management, written financial plans, and educational seminars. The firm combines fundamental and technical analysis with third-party managers, offers no-cost public workshops, and provides insurance products alongside benefits research and estate/tax services.
James F
Series 63, Series 65
Collegeville, PA
360 Ira
James Fenstermacher is a financial advisor with 4 years of industry experience, currently with 360 IRA in Collegeville, PA. He holds Series 63 and Series 65 licenses and has prior experience with Bankers Life entities and Option Energy Consultants. He also operates an insurance agency as a sole proprietor. 360 IRA is a fee-based financial planning and investment management firm that provides discretionary asset management, written financial plans, and educational seminars. The firm works with individual clients to guide portfolio management using fundamental and technical analysis and collaborates with third-party managers while also offering insurance products through affiliated representatives.
Holden C
Series 63, Series 65
St. Charles, MO
360 Ira
Holden Clendaniel is a financial advisor at 360 IRA with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at TD Ameritrade from 2019 to 2023. Clendaniel is also involved in insurance sales and services. 360 IRA is a fee-based financial planning and investment management firm serving individual clients through discretionary asset management, financial plans, and educational seminars. The firm uses fundamental and technical analysis and often works with third-party managers while offering public workshops and insurance products.
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