Cardinal Retirement Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$97,961,567
Clients
101
Advisors
3
of 3 employees
About
The firm works primarily with pre‑retirees and retirees, high‑net‑worth individuals, businesses, and non‑profits, offering financial planning and consulting, discretionary and non‑discretionary portfolio management, econometric consulting, variable annuity management, and ERISA plan advisory services. Engagements range from project‑based plans to ongoing consultations and model‑based Benchmark+ portfolios.
Its investment process uses a top‑down approach that integrates proprietary, simulation‑based quantitative models with fundamental, technical, and cyclical analysis, and the firm implements a mix of long‑term, tactical/strategic trading, options strategies, and, where appropriate, borrowing or margin in separately managed accounts. Clients can elect discretionary or client‑directed arrangements and accounts are monitored on an ongoing basis with periodic reviews.
Distinctive aspects include an in‑house econometric research capability led by a chief investment officer with a PhD in financial econometrics and the firm’s disclosed use of borrowing within separately managed accounts, both of which are uncommon among peers. The firm also has an affiliated insurance business whose representatives may receive commissions for insurance sales, a relationship the brochure discloses and that the firm says it addresses through written disclosures and its compliance and fiduciary procedures.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Ongoing consulting fees consist of initial fee $500-$5,000 plus quarterly recurring fees $250-$2,250; project-based planning fees paid 50% or $600 (whichever is less) up front
$0 - $1,000,000: 1.25% $1,000,001 - $2,000,000: 0.80% $2,000,001+: 0.60%
Project-based financial planning up to $350 per hour depending on complexity
Ongoing consulting has quarterly recurring fees between $250 and $2,250
Account minimum: $250,000 Minimum fee: Ongoing consulting initial upfront fee between $500 and $5,000 plus quarterly recurring fee between $250 and $2,250 Fee-only: Project-based consultation hourly fee up to $350 per hour; ongoing consulting negotiable flat fees
Main office
Durham NC
Advisors at this office
3
Most active in
Florida · North Carolina · Ohio · South Carolina · Texas · Virginia
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.
Quick links
Advisors at this firm
Douglas A
CFP®, Series 66
Durham, NC
Cardinal Retirement Planning, Inc.
Douglas Amis is a CFP® professional with 14 years of industry experience, currently serving at Cardinal Retirement Planning, Inc. He has held multiple roles across several firms, including ownership of Damis, Inc., where he is involved in fixed insurance sales. Amis also serves as a board member for the Durham Community Land Trustees, a local nonprofit organization. Cardinal Retirement Planning primarily serves pre-retirees, retirees, high-net-worth individuals, businesses, and nonprofits, providing financial planning, portfolio management, econometric consulting, and ERISA plan advisory services. The firm employs a top-down investment approach integrating quantitative models with fundamental and technical analysis, offering both discretionary and client-directed account management.
Jacob Y
CFP®, Series 65
Durham, NC
Cardinal Retirement Planning, Inc.
Jacob Yocco is a CFP® with eight years of industry experience and serves as an advisor at Cardinal Retirement Planning, Inc. He has worked at Cardinal Retirement Planning since 2018 and is also affiliated with Damis, Inc., where he spends approximately 10% of his time as an insurance agent. Additionally, he serves as treasurer for the Pi Lambda Phi Omega Beta Alumni Association, managing the organization’s finances. Cardinal Retirement Planning works primarily with pre-retirees and retirees, high-net-worth individuals, businesses, and non-profits, offering financial planning, discretionary and non-discretionary portfolio management, and specialized services including econometric consulting and ERISA plan advisory. The firm uses a top-down investment approach with proprietary, simulation-based models combined with fundamental and technical analysis, employing a range of strategies in separately managed accounts.
Anessa C
Series 65
Durham, NC
Cardinal Retirement Planning, Inc.
Anessa Custovic is a financial advisor at Cardinal Retirement Planning, Inc. in Durham, NC, holding a Series 65 designation with six years of industry experience. She has held various roles within Cardinal Retirement Planning since 2020 and was self-employed as a dog trainer starting in 2018. Prior to her advisory career, she worked at Tower Street Associates and the University of North Carolina at Chapel Hill. Cardinal Retirement Planning primarily serves pre-retirees and retirees, high-net-worth individuals, businesses, and non-profits, offering a range of financial planning, portfolio management, and consulting services. The firm employs a top-down investment approach integrating quantitative models with fundamental, technical, and cyclical analysis, and features unique capabilities such as in-house econometric research and the use of borrowing within separately managed accounts.
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