CochranMickels Retirement Specialists, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CochranMickels Retirement Specialists is a small, two-advisor registered investment adviser that serves individuals and high-net-worth clients, providing discretionary and non-discretionary asset management alongside standalone financial planning and consulting. The firm manages about $30.3 million for roughly 42 client relationships and documents client goals and investment restrictions in individual client files.
The firm’s investment process combines fundamental analysis and Modern Portfolio Theory to build customized asset allocations and long-term purchase strategies, with periodic rebalancing and quarterly account reviews that consider tax-loss harvesting opportunities. Clients may impose written restrictions (for example, socially conscious investing), and the firm delivers full financial plans or targeted consultations based on each client’s stated objectives and risk tolerance.
A notable feature is the firm’s affiliation with an insurance business: one owner maintains an independent insurance agency and sells insurance products for separate compensation, a relationship the brochure discloses and describes as mitigated by disclosures and the firm’s fiduciary obligations. Operationally, the firm requires use of specified custodians (Altruist or Interactive Brokers), does not vote client proxies (clients receive and vote their own proxies), and discloses that advisory representatives may receive external insurance commissions — distinctions that are less common among peers in this advisor category.
Client services
Expertise
Fee options
Full financial plans charged a flat fee between $2,500 and $5,000.
$0 - $50,000: 1.45% $50,000.01 - $100,000: 1.40% $100,000.01 - $250,000: 1.35% $250,000.01 - $500,000: 1.30% $500,000.01 - $1,000,000: 1.25% $1,000,000.01 - $2,000,000: 1.00% $2,000,000.01 - $5,000,000: 0.80% $5,000,000.01 - $10,000,000: 0.60% $10,000,000.01+: 0.50%
$300 per hour for financial consultation services.
Main office
4801 University Square Drive, Suite 26
Huntsville AL 35816
Advisors at this office
2
Most active in
Alabama · Florida · Texas
Also doing business as
Cochranmickels Retirement Specialist · Cochranmickels Retirement Specialists, LLC
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
Quick links
Advisors at this firm
Mike M
Series 63, Series 65
Huntsville, AL
CochranMickels Retirement Specialists, LLC
Mike Mickels is a financial advisor at CochranMickels Retirement Specialists, LLC in Huntsville, AL, with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. from 2016 to 2023. Mickels is also an independent licensed insurance agent, selling insurance and annuity products. CochranMickels Retirement Specialists is a two-advisor registered investment adviser serving individuals and high-net-worth clients with discretionary and non-discretionary asset management, as well as financial planning and consulting. The firm uses fundamental analysis and Modern Portfolio Theory to create customized investment strategies, with quarterly reviews and opportunities for tax-loss harvesting.
Lucas S
Series 65
Huntsville, AL
CochranMickels Retirement Specialists, LLC
Lucas Staples is a financial advisor at CochranMickels Retirement Specialists, LLC with two years of industry experience. He holds a Series 65 designation and has worked at CochranMickels Retirement Specialists since 2014. CochranMickels Retirement Specialists is a small, two-advisor firm serving individuals and high-net-worth clients through discretionary and non-discretionary asset management, financial planning, and consulting. The firm employs a combination of fundamental analysis and Modern Portfolio Theory to create customized asset allocations, conducts quarterly reviews including tax-loss harvesting, and accommodates client-imposed investment restrictions.
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