Martello Retirement and Wealth, LLC
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About
Martello Retirement and Wealth is a fee-only advisory firm that serves individual and high‑net‑worth clients, with a particular focus on those nearing or in retirement. The firm offers comprehensive financial planning and portfolio management covering retirement, tax, estate, insurance, and investment planning, delivered by a two‑advisor team managing roughly $34 million in client assets for a very small client base.
The firm follows a planning‑first philosophy that makes comprehensive financial planning the foundation for any investment relationship, rather than treating planning as an optional add‑on. Martello provides both discretionary management and nondiscretionary portfolio monitoring, but most client assets are held in nondiscretionary arrangements; it also uses rules‑based, quantitative strategies implemented predominantly with ETFs and may recommend private funds only to qualified clients.
Distinctive elements include the firm’s uncommon reliance on nondiscretionary AUM—clients typically retain final trading authority—and its policy of not accepting clients who want asset management without the planning process. The two‑advisor team brings advanced professional credentials (including CFP® and CFA® among other designations) and institutional investment experience that inform the firm’s tax‑aware, retirement‑focused planning and monitoring approach.
Client services
Expertise
Demographic focus
Fee options
Flat annual fee of $3,600 for comprehensive financial planning services
$0 - $1,000,000: 0.65% annually $1,000,001 - $3,000,000: 0.75% annually $3,000,001 - $5,000,000: 0.60% annually $5,000,001 - $10,000,000: 0.45% annually $10,000,000+: 0.00%
Hourly fees for standalone financial planning services on a limited basis (specific rates not stated)
Minimum fee: $11,000 minimum annual fee for discretionary or nondiscretionary portfolio management services (includes financial planning and investment management) Fee-only: Fee-only financial planning services at a flat annual fee of $3,600, billed mostly quarterly in advance
Main office
200 Bendix Rd, Suite 170
Virginia Beach VA 23454
Advisors at this office
2
Most active in
Florida · Texas · Virginia
Also doing business as
Martello Investments, LLC · Martello Retirement And Wealth, 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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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
Arthur G
CFA®
Virginia Beach, VA
Martello Retirement and Wealth, LLC
Arthur Grizzle is a CFA® charterholder with eight years of industry experience. He is currently a financial advisor at Martello Retirement and Wealth, LLC and has held roles at Huntington Ingalls Industries and Vantage Consulting Group. Outside of his advisory work, he manages the pension plan’s alternative investment program at Huntington Ingalls Industries. Martello Retirement and Wealth serves individual and high-net-worth clients, focusing on those nearing or in retirement. The firm provides fee-only financial planning and portfolio management with a planning-first approach that integrates multiple aspects of clients’ financial lives and primarily uses passive ETFs alongside quantitative and proprietary strategies.
Charles C
CFP®, Series 65
Virginia Beach, VA
Martello Retirement and Wealth, LLC
Charles Culver is a CERTIFIED FINANCIAL PLANNER™ professional with eight years of industry experience. He is currently with Martello Retirement and Wealth, LLC in Virginia Beach, VA. His prior experience includes roles at Bankers Healthcare Group and StratusLIVE. Martello Retirement and Wealth serves individual and high-net-worth clients, focusing on those nearing or in retirement, and offers fee-only comprehensive financial planning alongside portfolio management and consulting. The firm emphasizes a planning-first approach and typically implements portfolios using passive ETFs and quantitative strategies, managing most client assets on a non-discretionary basis.
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