65 and sunny

What 65 and sunny does

65 and Sunny! Registered Investment Advisors, LLC is a privately held Hybrid RIA firm headquartered at 53 Frontage Road, Hampton, New Jersey, that delivers retirement planning and advisory services primarily to individuals in or approaching retirement across the United States, with an operational concentration in the New Jersey market. The firm's service offering is anchored by its proprietary 'Real Retirement Plan' — a month-by-month financial roadmap from the client's current age through age 100 — and extends into a portfolio of specialized practices: Medicare Expert guidance, Federal Employee Retirement (FERS, TSP) expertise, Corporate Retiree package assessment including 401(k) rollovers, Social Security optimization for individuals and couples, Estate and Charitable Giving strategy, Fiduciary Guidance under the Prudent Man Rule and Know Your Customer Rule, and dedicated planning for female retirees across single, married, widowed, and divorced circumstances. A free initial consultation and a no-charge Real Retirement Plan creation function as the client acquisition and onboarding mechanism, supported by an extensive resource center of articles, calculators, and videos.

The business operates as a direct-to-client advisory practice with no disclosed proprietary technology platform, no mobile app, no API surface, and no disclosed integrations. Go-to-market is sales-led: prospective clients schedule a free consultation, the firm captures the client story and financial numbers, and the resulting Real Retirement Plan is offered at no charge as a relationship investment. The firm earns revenue through a hybrid compensation model combining asset-under-management (AUM) fees on advisory assets and commissions from insurance carriers on commissionable products; assets from commissionable insurance products are credited toward AUM fee breakpoints, and client referrals (family, friends, colleagues) are also credited toward fee breakpoints, materially aligning client acquisition cost with fee economics. The firm is led by a single named principal, Michael J. Pierce (MBA in Professional Accounting, Rutgers), who holds Securities licensure as a Registered Investment Representative and separate Life and Health Insurance licensure, and is structured as an LLC under individual founder/owner control with no disclosed external investors, parent company, subsidiaries, or funding events.

Name

65 and sunny

Legal name

65 and Sunny! Registered Investment Advisors, LLC

Website

https://65andsunnymedicaresavings.com

Company type

Private

Operating status

Operating

Short description

65 and Sunny is a New Jersey-based Hybrid RIA firm providing retirement planning, Medicare, Social Security, and federal employee benefits advisory services to individual retirees and pre-retirees in the United States, operating under a fiduciary model with AUM fees and insurance commissions.

Ownership category

akta.pro rank

Product category

Retirement Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

akta.pro secondary industries

Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement planning services
• Medicare advisory
• Social Security planning
• Financial advisory services
• Estate planning

Headquarters

HQ city

Hampton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Fees for Services and Assets Under Management: The firm charges fees for financial planning services and fees based on assets under management (AUM). Fee breakpoints apply, and assets from commissionable products are credited towards these breakpoints.
2. Insurance Commissions: As a Hybrid RIA, the firm earns commissions from insurance carriers for commissionable insurance products. No fees are charged for commissionable products.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

65 and Sunny is a Hybrid Registered Investment Advisor (RIA) firm that delivers personalized retirement planning to individuals approaching or in retirement. The core offering is the "Real Retirement Plan," a month-by-month financial roadmap from the client's current age through age 100, supported by specialized services in Medicare guidance, Social Security optimization, federal employee retirement benefits, estate and charitable planning, and fiduciary advisory.

Product overview

65 and Sunny! Registered Investment Advisors, LLC is a Hybrid RIA Firm offering a unified advisory service centered around its core "Real Retirement Plan" product—a month-by-month financial roadmap from current age through age 100. The firm provides an integrated suite of specialized services including Retirement Planning, Medicare Expert guidance, Federal Employee Retirement expertise, Female Retirees planning, Social Security Planning, Estate and Charitable Giving planning, Fiduciary Guidance, Corporate Retiree expert services, and a complimentary initial consultation. Services are priced through a hybrid model combining asset-under-management fees and insurance commissions. The firm also provides a client resource center with articles, calculators, and educational videos covering retirement, investment, estate, insurance, tax, and lifestyle topics.

Differentiator

Problem solved

Functional benefit

Products and services

• Real Retirement Plan A comprehensive month-by-month retirement roadmap from the client's current age through age 100, designed to align cash flows, savings needs, and long-term financial security. Provided at no charge as the firm's investment in the client relationship.
• Retirement Planning Comprehensive retirement planning services tailored to individuals, business owners, corporate employees, federal employees, and medical professionals, including Medicare insurance guidance. Delivered through discovery of client story, numbers, and aspirations, and crafted into a monthly roadmap through age 100.
• Medicare Expert Services Expert guidance on Medicare coverage, helping clients understand eligibility at age 65, avoid penalties, and confidently make insurance choices. For individuals approaching Medicare eligibility and those already on Medicare.
• Federal Employee Retirement Expert Specialized retirement planning for federal employees, navigating unique and comprehensive benefits packages, Social Security, and Thrift Savings Plan options. For federal employees with FERS and related benefits.
• Female Retirees Planning Retirement planning services for women who are Single, Married, Widowed, or Divorced, focusing on structuring well-deserved retirements with personalized attention to each life situation.
• Social Security Planning Strategic Social Security decision-making in the context of overall retirement planning, factoring in spousal and survivor considerations for couples and individuals, and crunching all relevant numbers to arrive at optimal options.
• Estate and Charitable Giving Planning Planning for heirs, beneficiaries, and charitable donations, forecasting lifetime needs and reserves to maximize generosity beyond monthly retirement requirements. For individuals with assets beyond their monthly needs.
• Fiduciary Guidance Financial structure design adhering to the Prudent Man Rule and Know Your Customer Rule, gathering all relevant facts to align financial plans with client goals. For clients seeking fiduciary-level advisory engagement.
• Corporate Retiree Expert Services Comprehensive assessment of corporate retirement packages including 401(k) rollovers, stray IRAs, health insurance programs, Medicare, and Social Security planning, with total household resources factored and arranged to highest effect.
• Free Consultation Initial candid conversation to understand client story, numbers, and intentions, leading to development of a personalized Real Retirement Plan at no charge.

Quantifiable outcome

• Industry Studies consistently show clients who utilize an Advisor earn 3% more per year, net of fees. Earning 8% instead of 5% over time doubles money in 9 years rather than 14.4 years.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Edelman Financial Engines: One of the largest independent RIAs in the U.S., offering retirement planning, investment management, and financial planning to individuals nationwide. Comparable as a large-scale hybrid RIA serving retirement-age investors, though at vastly greater scale and geographic breadth.
• Fisher Investments: Large independent RIA focused on personalized portfolio management for high-net-worth and retirement investors. Comparable as a fee-based advisory firm targeting retirees, but operates at significantly greater scale and with discretionary portfolio management.
• Empower (formerly Personal Capital): Hybrid digital RIA combining technology dashboards with human advisory services for retirement planning and wealth management. Comparable as a hybrid RIA targeting similar clients, but with proprietary technology and substantially larger scale.
• Fidelity Retirement Planning: Incumbent brokerage and RIA offering retirement planning, 401(k) management, IRAs, and Medicare/Social Security resources. Overlaps with 65 and Sunny's service menu but operates at massive scale as part of a full-service financial institution.
• Schwab Intelligent Portfolios: Large incumbent brokerage offering automated and advised retirement solutions including IRAs, 401(k) rollovers, and managed portfolios. Comparable in targeting retirement savers, but competes via low-cost platform rather than personalized local advisory.

Direct peers

• American Retirement Advisors: Independent retirement-focused advisory firm serving near-retirees and retirees with personalized planning and fiduciary advice. Closely comparable niche retirement RIA with a similar target market and service offering.
• Retirement Income Style: Boutique advisory firm specializing in retirement income planning and decumulation strategies for individuals approaching or in retirement. Directly comparable niche focus on retirement income and cashflow planning.

Emerging players

• NewRetirement: Digital retirement planning platform offering self-service tools and advisor partnerships to model retirement income, Social Security, and healthcare costs. Comparable end-customer (retirees / pre-retirees) but competes via software rather than personal advisory.
• Wealthsimple: Digital wealth management platform offering automated investing, retirement, and tax-advantaged accounts. Targets similar retail and pre-retiree clients, though it competes primarily through low-cost digital channels rather than personalized advisory.

Others

• Ramsey Solutions: Financial education brand and recommended advisor network (SmartVestor Pros) serving consumers seeking retirement and wealth-building guidance. Adjacent comparison through shared content-led GTM and referral-driven advisor matching, though not a direct RIA competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 65 and sunny