# Mark Nicholas

> Mark Nicholas is a fee-only financial advisor at Transform Retirement in Green Bay, Wisconsin. Mark charges a flat fee or retainer (no asset minimum) and focuses on flat-fee planning, retirement planning and sustainable & impact investing.

Page: https://find.wellspent.co/advisors/mark-nicholas/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Transform Retirement
- **Based in:** Green Bay, Wisconsin
- **Fee model:** Flat fee or retainer
- **Fees (firm's website):** no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $17.7M across 110 accounts
- **Specialties:** Flat-fee planning, Retirement planning, Sustainable & impact investing
- **CRD:** 4584095 (https://adviserinfo.sec.gov/individual/summary/4584095)
- **SEC registration:** Investment adviser representative in WI
- **Exams passed:** Series 63 (2003), Series 65 (2010)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.transformretirement.com

## Frequently asked questions

### Is Mark Nicholas a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Mark holds no broker registration, and Transform Retirement reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Mark charge for financial advice?

Mark charges a flat fee or retainer.

### How much does Mark charge?

According to Transform Retirement's website, checked October 30, 2026: no asset minimum.

### Where is Mark Nicholas based?

Mark Nicholas is based in Green Bay, Wisconsin.

### What does Mark specialize in?

Mark's specialties include flat-fee planning, retirement planning and sustainable & impact investing.

### Is Mark Nicholas registered with the SEC?

Yes. Mark Nicholas is registered as an investment adviser representative in WI (CRD 4584095), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Transform Retirement manage?

Transform Retirement reports $17.7M across 110 accounts in assets under management.

### How do I contact Mark Nicholas?

Through Mark's website, www.transformretirement.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4584095): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.transformretirement.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.