65 and Sunny! Registered Investment Advisors, LLC
65 and Sunny! Registered Investment Advisors, LLC is a registered investment advisor specializing in retirement planning for both civilian and federal employees. Founded originally in 2004 and operating under its current name since 2013, the firm focuses heavily on protecting capital, managing downside risk, and maximizing retirement cash flow. 65 and Sunny! helps clients navigate complex federal employee benefits programs, Social Security maximization, and private sector retirement options. Services include portfolio management, cash flow analysis, retirement forecasting, and budgeting. Founder Michael J. Pierce brings an extensive background in accounting and specialized designations in federal employee benefits consulting to help clients transition from their working years into retirement.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.25% |
| $250K - $1.5M | 1.00% |
| $1.5M - $3.0M | 0.80% |
| $3.0M - $5.0M | 0.70% |
| $5.0M - $10.0M | 0.60% |
| $10M+ | 0.50% |
Commissionable products count toward total asset breakpoints to lower advisory fees.