Approach Retirement Advisors, LLC

Approach Retirement Advisors provides fee-only wealth management and portfolio management services primarily to individual and high-net-worth clients, covering both taxable and retirement accounts. The firm manages roughly $227 million across about 140 client relationships and generally requires $2,000,000 to open an advisory account, with exceptions considered.

The firm’s investment approach blends Modern Portfolio Theory, customized or firm-developed model portfolios, and ongoing monitoring and rebalancing, with discretionary trading authority when such arrangements are in place. While the brochure highlights a focus on mutual funds, ETFs, and equities, it also notes the firm may advise on any investment it deems appropriate and that it can employ derivatives in separately managed accounts—a capability that is uncommon among peers.

Notable operational features disclosed in the brochure include the use of AI tools for analysis and meeting transcription and the firm’s role assisting clients with securities-backed lines of credit, each accompanied by specific risk disclosures. The combination of a small advisory team managing a relatively large asset base and explicit custody controls (fee deductions by qualified custodians and procedures for standing letters of authorization) further distinguishes its operating profile.