Retirement Capital Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Retirement Capital Advisors LLC provides portfolio management and related financial planning to individual and high‑net‑worth clients, managing roughly $11.3 million across about 67 accounts as of January 2026. Services include development of individualized Investment Policy Statements, ongoing discretionary portfolio management, and advice on fixed income, equities, ETFs and insurance products including annuities.
The firm describes a long‑term, modern portfolio theory approach and typically seeks discretionary authority to implement model allocations and monitor portfolios on at least a quarterly basis. Fees are asset‑based and billed in arrears on a quarterly schedule; the firm does not accept performance‑based fees and identifies a recommended custodian (Altruist) while disclosing the possibility of soft‑dollar benefits.
A principal of the firm is a licensed insurance agent and owner of an affiliated insurance business, and the brochure discloses this relationship along with policies intended to mitigate conflicts of interest and require client disclosure. The firm also reports no criminal, civil, administrative, or self‑regulatory proceedings, and discloses that it does not aggregate block trades for multiple client accounts, a practice that can affect execution.
Client services
Expertise
Fee options
$0 - $500,000: 1.25% $500,001 - $1,500,000: 1.00% $1,500,001 - $3,000,000: 0.85% $3,000,001 - $5,000,000: 0.75% $5,000,001+: 0.60%
Main office
See office2000 Palm Beach Lakes Blvd, Suite 734
West Palm Beach FL 33409
Advisors at this office
1
Offices (2)
Most active in
Florida · Illinois · Wisconsin
Also doing business as
Retirement Capital Advisors · Retirement Capital Advisors 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
Dylan T
Series 66
Sun Prarie, WI
Retirement Capital Advisors
Dylan Thorson is a financial advisor at Retirement Capital Advisors with three years of industry experience. He holds a Series 66 license and has previously worked at firms including Horace Mann Investors Inc. and MML Investors Services, LLC. Thorson is also a multiline insurance agent affiliated with Horace Mann Service Corp., offering property, casualty, health, and life insurance products. Retirement Capital Advisors provides portfolio management and financial planning services to individual and high-net-worth clients. The firm employs a long-term, modern portfolio theory approach and typically manages portfolios on a discretionary basis, offering advice on equities, fixed income, ETFs, and insurance products including annuities.
John C
Series 65
West Palm Beach, FL
Retirement Capital Advisors
John Convery is a financial advisor with Retirement Capital Advisors and holds a Series 65 license. He has 20 years of industry experience, including roles at Brookstone and NTB Advisers. He is also the managing member of Educated Wealth Center LLC, which offers insurance and investment advisory services. Retirement Capital Advisors provides portfolio management and financial planning to individual and high-net-worth clients, using a long-term, modern portfolio theory approach with discretionary authority to manage diversified portfolios.
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