65 and Sunny! Registered Investment Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
65 and Sunny! Registered Investment Advisors provides retirement-focused advice and portfolio management to individuals, trusts, non-profit organizations and pension plans, with a particular emphasis on planning for federal and civilian employees. The firm offers comprehensive retirement cash‑flow forecasting, Social Security maximization analysis, Medicare insurance guidance and implementation of brokerage, annuity and insurance solutions.
The firm’s investment approach prioritizes preservation of capital for retirees, using specialized retirement‑planning software, Monte Carlo simulations and longevity solvency testing to evaluate alternatives and stress‑test cash flows. It operates as a hybrid adviser able to deliver fee‑based portfolio management, commissionable products, or combinations of both, and explicitly monitors the financial strength of guarantee providers when recommending insurance or annuity solutions.
Noteworthy features relative to peers include a compensation model that can involve significant commissionable business while crediting commissionable assets toward advisory fee breakpoints, and the principal’s credentials as a Chartered Federal Employee Benefits Consultant combined with licensure as an insurance producer. The firm also uses account‑aggregation technology, accepts discretionary authority while accommodating client‑directed accounts, and provides standalone retirement reports and planning engagements tailored to retiree needs.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Individual Retirement Plans and Cash Flow Forecasts range from $199 to $599, may be more for complex cases.
$0 - $249,999: 1.25% $250,000 - $1,499,999: 1.00% $1,500,000 - $2,999,999: 0.80% $3,000,000 - $4,999,999: 0.70% $5,000,000 - $9,999,999: 0.60% $10,000,000+: 0.50%
Commissions may be charged on purchase or sale of securities, fixed income products, mutual funds, annuities, and insurance products; commissionable assets credited toward fee breakpoints.
$175 per hour for limited engagements.
Fee-only: Fee-only advisory services available; fee schedule provided.
Main office
90 Washington Valley Road
Bedminster NJ 07921
Advisors at this office
1
Most active in
New Jersey
Also doing business as
65 And Sunny! Registered Investment Advisors, LLC · Michael J. Pierce Insurance Agent
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
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