Tax Favored Retirement
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Tax Favored Retirement serves individuals, families, businesses and retirement plan sponsors by offering discretionary and non‑discretionary portfolio management, financial planning, and retirement plan advisory services. For its investment management services the firm generally applies a $1,000,000 account minimum (which it may waive) and documents engagement terms, restrictions, and fiduciary obligations in a written agreement.
The firm’s stated investment approach is to reduce risk and volatility while aiming to increase average returns by building portfolios that are simple to monitor and nimble to adjust, using primarily stocks and bonds with occasional mutual funds and ETFs. It uses both fundamental and technical analysis and may implement strategies that include long‑ and short‑term holdings, trading, margin and options; the firm reported managing all disclosed assets on a discretionary basis as of December 31, 2025.
Noteworthy differences from many peers include its small, owner‑managed structure (three advisors overseeing roughly $41 million for about 149 clients) combined with both retirement plan services and project‑based financial planning. The firm’s brochure discloses that some advisory personnel are licensed to sell insurance and annuity products (which may produce commissions), and it also discloses a prior Chapter 7 bankruptcy filing by the firm’s owner related to 2007–2008 real estate losses.
Client services
Expertise
Fee options
Fixed financial planning fees up to $2,500 for individuals or up to $10,000 for businesses
Negotiated up to 1.50% annually (single rate not guaranteed, varies by client)
Hourly financial planning fees from $175 to $250 per hour
Account minimum: $1,000,000 Minimum fee: $1,000 minimum annual fee for retirement plan services Fee-only: Financial planning fixed fees up to $2,500 for individuals, up to $10,000 for businesses; hourly fees $175-$250 per hour
Main office
8500 NE Sam Ray Rd
Kansas City MO 64156
Advisors at this office
3
Most active in
Kansas · Missouri · Texas
Also doing business as
Aps Ventures, LLC · Tax Favored Retirement · Upgradeyourannuity
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
Advisors at this firm
Andrew S
Series 66
Kansas City, MO
Tax Favored Retirement
Andrew Surber is a financial advisor at Tax Favored Retirement in Kansas City, MO, holding a Series 66 designation with 14 years of industry experience. His career includes roles at Cambridge Investment Research, Lawing Financial, Prime Capital Investment Advisors, and Private Client Services. Outside of his advisory work, he serves as managing member of Options Algos, LLC, an investment research business. Tax Favored Retirement serves individuals, families, businesses, and retirement plan sponsors by providing portfolio management, financial planning, and retirement plan advisory services. The firm emphasizes reducing risk and volatility while aiming to increase returns through portfolios that use stocks, bonds, mutual funds, ETFs, and a combination of fundamental and technical analysis.
Douglas G
Series 65
Kansas City, MO
Tax Favored Retirement
Douglas Garrett is a Series 65 licensed financial advisor with six years of industry experience. He is currently affiliated with Tax Favored Retirement and has been involved with APS Ventures, LLC since 2019 as well as Garrett Enterprises, Inc. since 1983. Tax Favored Retirement serves individuals, families, businesses, and retirement plan sponsors by providing portfolio management, financial planning, and retirement plan advisory services. The firm focuses on reducing risk and volatility while aiming to increase returns through portfolios primarily composed of stocks and bonds, employing both fundamental and technical analysis.
Theodore P
Series 63, Series 66
Kansas City, MO
Tax Favored Retirement
Theodore Perez III is a financial advisor at Tax Favored Retirement with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including APS Ventures, LLC and Harrison Capital Management. Perez is also the owner of TP3 Holdings Inc, a holding company. Tax Favored Retirement serves individuals, families, businesses, and retirement plan sponsors by providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan advisory services. The firm focuses on reducing risk and volatility while aiming to increase returns through portfolios primarily composed of stocks and bonds, using both fundamental and technical analysis.
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