RPA Financial

SEC-registered investment adviser in San Rafael, CaliforniaRegistered since 2018

Figures as filed with the SEC on 29 June 2026. Checked against the SEC's public record on 17 September 2026.

RPA Financial, LLC is a San Rafael-based, SEC-registered investment adviser reporting $10.88B in regulatory assets in its June 2026 Form ADV. Its brochure lists Maximum 2.00% for $1 million or less, 1.50% for $1,001,000 to $2 million, and 1.00% over $2,000,001 in advisory fees.

$10.88B
Regulatory AUM
339
Advisory clients
4
Advisory staff
of 12 employees
2
Branch offices

Assets and clients#

Pension and profit-sharing plans339
Regulatory AUM
$10,881,431,334
Share
100.0%
Avg. per client
$32.1M
Total339
Pension and profit-sharing plans 100%

Discretion

Discretionary
$8,853,190,561 across 293 accounts (81.4% of AUM)
Non-discretionary
$2,028,240,773 across 30 accounts (18.6%)
Non-U.S. clients
0% of clients
Non-AUM advisory clients
16 clients received advice without assets under management last fiscal year

Form ADV Part 1A, Items 5.D and 5.F. Fiscal year ends December; amendment filed 29 June 2026. View Item 5 in the filing

Fees#

Retirement plan consultingMaximum 2.00% for $1 million or less, 1.50% for $1,001,000 to $2 million, and 1.00% over $2,000,001
How it is charged
Percentage of plan assets; fees may be billed monthly or quarterly.
Hourly consultingHourly fee generally does not exceed $350
How it is charged
Hourly or fixed fee under the client agreement.

Account minimum

RPA states it does not impose a minimum account size to open or maintain an account.

Plan scope

The brochure describes services for pension, retirement, and profit-sharing plans. It reports that a 3(38) engagement has investment discretion, while a 3(21) or consulting engagement does not.

Form ADV Part 2A brochure, Item 5, dated 31 March 2026. View Item 5 in the brochure

Custodians#

All other custodians$10,881,431,334
Location
—
Share
100.0%

Custody of client assets

Schedule D reports no separately managed-account custodian holding ten percent or more of the applicable assets. The brochure states that RPA does not maintain relationships with custodial broker-dealers and that plan providers or recordkeepers hold client assets.

Schedule D, Section 5.K.(3) lists every custodian holding 10% or more of separately managed account assets. View Section 5.K.(3) in the filing

Leadership and ownership#

Cosmo Charles Gould5033874
Title
CCO
Scott Christopher Hauptmann4773447
Title
President
Melissa Rodriguez-Kirk7832730
Title
COO

Ownership chain

Direct owner
Schedule A lists Global Retirement Partners LLC as managing member and sole owner in the 75% or more ownership band, with control-person status, since April 2018.
Indirect owner
Schedule B lists RPW Holdings, LLC as sole owner of Global Retirement Partners LLC in the 75% or more band, with control-person status, since January 2025.
HUB International Limited
Schedule B reports HUB International Limited in the 75% or more ownership band in RPW Holdings LLC, acquired in January 2025.

Schedules A and B. Ownership percentages are the SEC's reporting bands, not exact figures. View Schedule A in the filing

Offices and registrations#

Branch offices
2 reported to IAPD; Part 1A lists 2 office addresses in at least 2 states
SEC registration
Approved 5 July 2018, file number 801-113540
State notice filings
9 jurisdictions, most recently Michigan, 27 March 2024
Advisory staff
4 of 12 employees perform advisory functions; 7 are also broker-dealer registered representatives and 2 are licensed insurance agents
Promoters
0 outside firms or persons solicit clients on the firm's behalf

Offices by state

  • California1
  • North Carolina1

Other business names

RPA Financial has reported 2 other business names to the SEC in Item 1.B. Its brochure states that advisory services are provided by RPA Financial, LLC in every case, and that some names are used by its advisors for marketing.

  • Fiduciary-Plus
  • Highpoint Retirement Group, LLC

Headquartered at 4340 Redwood Highway, Suite B60, San Rafael, CA 94903. Organized as a Limited liability company. View Section 1.F in the filing

Other business and affiliations#

This directory does not report disciplinary history, for any firm or individual, in either direction. The SEC publishes the complete record, including any disciplinary events, and it is the authoritative place to check one. See this firm's record on adviserinfo.sec.gov

Form ADV Part 1A, Items 6 and 7, and Schedule D. View Item 6 in the filing

Common questions#

What regulatory assets does RPA Financial report?

RPA Financial reports $10,881,431,334 of regulatory assets under management in Item 5.F of its Form ADV. Item 5.D attributes that amount to 339 pension and profit-sharing plan clients.

Source: Form ADV Part 1A, Items 5.D and 5.F

What does RPA Financial charge?

Its brochure lists maximum annual retirement-plan consulting fees of 2.00% for plans of $1 million or less, 1.50% from $1,001,000 to $2 million, and 1.00% over $2,000,001. It also states that hourly consulting fees generally do not exceed $350.

Source: Part 2A brochure, Item 5

Does RPA Financial have a minimum account size?

No. Its brochure states that RPA does not impose a minimum account size to open or maintain an account.

Source: Part 2A brochure, Item 7

Answered from the filings above.

Sources

  1. Form ADV Part 1A, amendment filed 29 June 2026. Items 1, 5, 9, 11 and Schedules A, B and D.
  2. Form ADV Part 2A brochure, dated 31 March 2026. Items 4, 5, 7, 12 and 15.
  3. IAPD firm record, CRD 294105, compiled 30 June 2026.

Retrieved 17 September 2026. All three are published by the SEC and may have been amended since.

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This profile is compiled from public regulatory filings and is provided for informational purposes only. Simple Money is not affiliated with RPA Financial, LLC and makes no representation about the quality of its services. Figures reflect the filing dates shown and may have changed. Ownership percentages are the bands reported to the SEC, not exact figures.