Approach Retirement Advisors, LLC

Approach Retirement Advisors, LLC is a fee‑only registered investment adviser that manages approximately $227 million for roughly 140 clients, primarily individuals (including high‑net‑worth clients), trusts, estates, and charitable organizations. The firm provides ongoing wealth management and discretionary portfolio management, and also manages retirement accounts through third‑party web‑based platforms and coordinated relationships with unaffiliated sub‑advisers.

The firm builds individualized portfolios using diversified approaches (including modern portfolio theory, long‑ and short‑term holdings, and model portfolios) and monitors and rebalances accounts on an ongoing basis to align with clients’ objectives. In addition to direct management, Approach may recommend third‑party sub‑advisers and, where suitable, options and margin strategies—explicitly including covered options and box‑spread overlays—to implement portfolio financing or other tactical strategies.

What is most distinctive about the firm is its use of derivatives and option‑based overlay strategies in separately managed accounts via third‑party sub‑advisers, a capability that is relatively uncommon among peers. Other notable practices include a stated $2 million general account minimum with discretionary exceptions, facilitation of securities‑backed lines of credit, and the use of AI‑based tools to record and transcribe client meetings (with an opt‑out option).