Titan Retirement Advisors is a limited liability company (LLC) formed under the laws of the State of
Texas.
• Joshua J. Coughran is a Managing Member and Chief Compliance Officer of Titan Retirement
Advisors. Joshua J. Coughran owns 99.00% of Titan Retirement Advisors. Full details of the
education and business background of Joshua J. Coughran are provided at Item 19 of this
Disclosure Brochure.
• Titan Retirement Advisors became registered as an investment adviser in May 2013.
Introduction
The investment advisory services of Titan Retirement Advisors are provided to you through an
appropriately licensed and qualified individual who is an investment adviser representative of Titan
Retirement Advisors (referred to as your investment adviser representative throughout this brochure).
Description of Advisory Services
The following are descriptions of the primary advisory services of Titan Retirement Advisors. Please
understand that a written agreement, which details the exact terms of the service, must be signed by you
and Titan Retirement Advisors before we can provide you the services described below.
Asset Management Services – Titan Retirement Advisors offers asset management services, which
involves Titan Retirement Advisors providing you with continuous and ongoing supervision over your
specified accounts.
You must appoint our firm as your investment adviser of record on specified accounts (collectively, the
“Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your
name. The qualified custodians maintain physical custody of all funds and securities of the Account, and
you retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy
voting and receive transaction confirmations) of the Account.
The Account is managed by us based on your financial situation, investment objectives and risk
tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting or
holding securities, cash or other investments of the Account.
We will need to obtain certain information from you to determine your financial situation and investment
objectives. You will be responsible for notifying us of any updates regarding your financial situation, risk
tolerance or investment objective and whether you wish to impose or modify existing investment
restrictions; however we will contact you at least annually to discuss any changes or updates regarding
your financial situation, risk tolerance or investment objectives. We are always reasonably available to
consult with you relative to the status of your Account. You have the ability to impose reasonable
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restrictions on the management of your accounts, including the ability to instruct us not to purchase
certain securities.
It is important that you understand that we manage investments for other clients and may give them
advice or take actions for them or for our personal accounts that is different from the advice we provide to
you or actions taken for you. We are not obligated to buy, sell or recommend to you any security or other
investment that we may buy, sell or recommend for any other clients or for our own accounts.
Conflicts may arise in the allocation of investment opportunities among accounts that we manage. We
strive to allocate investment opportunities believed to be appropriate for your account(s) and other
accounts advised by our firm among such accounts equitably and consistent with the best interests of all
accounts involved. However, there can be no assurance that a particular investment opportunity that
comes to our attention will be allocated in any particular manner. If we obtain material, non-public
information about a security or its issuer that we may not lawfully use or disclose, we have absolutely no
obligation to disclose the information to any client or use it for any client’s benefit.
Retirement Plan Services - Titan Retirement Advisors offers retirement plan services to retirement plan
sponsors and to individual participants in retirement plans. For a corporate sponsor of a retirement plan,
our retirement plan services can include, but are not limited to, the following services:
Fiduciary Consulting Services
Titan Retirement Advisors provides the following Fiduciary Retirement Plan Consulting Services:
• Investment Policy Statement Preparation. Titan Retirement Advisors will help you develop an
investment policy statement. The investment policy statement establishes the investment policies
and objectives for the Plan. You will have the ultimate responsibility and authority to establish
such policies and objectives and to adopt and amend the investment policy statement.
• Investment Selection Services. Titan Retirement Advisors will provide you with recommendations
of investment options consistent with ERISA section 404(c).
• Investment Due Diligence Review. Titan Retirement Advisors will provide you with periodic due
diligence reviews of the Plan’s reports, investment options and recommendations.
• Investment Monitoring. Titan Retirement Advisors will assist in monitoring investment options by
preparing periodic investment reports that documen1t investment performance, consistency of
fund management and conformation to the guidelines set forth in the investment policy statement
and Titan Retirement Advisors will make recommendations to maintain or remove and replace
investment options.
• Individualized Participant Advice. Upon request, Titan Retirement Advisors will provide one-on-
one advice to plan participants regarding their individual situations.
• Retirement Plan Committee Charter Preparation. Upon request, Titan Retirement Advisors will
assist in the preparation of the Retirement Plan Committee Charter.
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For Fiduciary Consulting Services, all recommendations of investment options and portfolios will be
submitted to you for your ultimate approval or rejection. For retirement plan Fiduciary Consulting
Services, the retirement plan sponsor client or the plan participant who elects to implement any
recommendations made by us is solely responsible for implementing all transactions.
Fiduciary Consulting Services are not management services, and Titan Retirement Advisors does not
serve as administrator or trustee of the plan. Titan Retirement Advisors does not act as custodian for any
client account or have access to client funds or securities (with the exception of, some accounts, having
written authorization from the client to deduct our fees).
Titan Retirement Advisors acknowledges that in performing the Fiduciary Consulting Services listed
above that it is acting as a “fiduciary” as such term is defined under Section 3(21)(A)(ii) of Employee
Retirement Income Security Act of 1974 (“ERISA”) for purposes of providing non-discretionary investment
advice only. Titan Retirement Advisors will act in a manner consistent with the requirements of a fiduciary
under ERISA if, based upon the facts and circumstances, such services cause Titan Retirement Advisors
to be a fiduciary as a matter of law. However, in providing the Fiduciary Consulting Services, Titan
Retirement Advisors (a) has no responsibility and will not (i) exercise any discretionary authority or
discretionary control respecting management of Client’s retirement plan, (ii) exercise any authority or
control respecting management or disposition of assets of Client’s retirement plan, or (iii) have any
discretionary authority or discretionary responsibility in the administration of Client’s retirement plan or the
interpretation of Client’s retirement plan documen1ts, (b) is not an “investment manager” as defined in
Section 3(38) of ERISA and does not have the power to manage, acquire or dispose of any plan assets,
and (c) is not the “Administrator” of Client’s retirement plan as defined in ERISA.
Fiduciary Management Services
Titan Retirement Advisors provides clients with the following Fiduciary Retirement Plan Management
Services:
• Discretionary Management Services. Titan Retirement Advisors will provide you with continuous
and ongoing supervision over the designated retirement plan assets. Titan Retirement Advisors
will actively monitor the designated retirement plan assets and provide advice regarding buying,
selling, reinvesting or holding securities, cash or other investments of the Plan. We have
discretionary authority to make all decisions to buy, sell or hold securities, cash or other
investments for the designated retirement plan assets in the our sole discretion without first
consulting with you. We also have the power and authority to carry out these decisions by giving
instructions, on your behalf, to brokers and dealers and the qualified custodian(s) of the Plan for
our management of the designated retirement plan assets.
• Discretionary Investment Selection Services. Titan Retirement Advisors will monitor the
investment options of the Plan and add or remove investment options for
the Plan. Titan
Retirement Advisors will have discretionary authority to make all decisions regarding the
investment options that will be made available to Plan participants.
• Investment Management via Model Portfolios. Titan Retirement Advisors will provide
discretionary management via model portfolios. Titan Retirement Advisors manages Model
Portfolios which are investment options available to Plan participants.
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If you elect to utilize any of Titan Retirement Advisors’ Fiduciary Management Services, then Titan
Retirement Advisors will be acting as an Investment Manager to the Plan, as defined by ERISA section
3(38), with respect to our Fiduciary Management Services, and Titan Retirement Advisors hereby
acknowledges that it is a fiduciary with respect to its Fiduciary Management Services.
Non-Fiduciary Services
Although an investment adviser is considered a fiduciary under the Investment Advisers Act of 1940 and
required to meet the fiduciary duties as defined by the Advisers Act, the services listed here as non-
fiduciary should not be considered fiduciary services for the purposes of ERISA since Advisor is not
acting as a fiduciary to the Plan as the term “fiduciary” is defined in Section 3(21)(A)(ii) of ERISA. The
exact suite of services provided to a client will be listed and detailed in the Qualified Retirement Plan
Agreement.
Titan Retirement Advisors provides clients with the following Non-Fiduciary Retirement Plan Consulting
Services:
• Participant Education. Titan Retirement Advisors will provide education services to Plan
participants about general investment principles and the investment alternatives available under
the Plan. Titan Retirement Advisors’ assistance in participant investment education will be
consistent with and within the scope of DOL Interpretive Bulletin 96-1. Education presentations
will not take into account the individual circumstances of each participant and individual
recommendations will not be provided unless otherwise agreed upon. Plan participants are
responsible for implementing transactions in their own accounts.
• Due Diligence Review. Titan Retirement Advisors will provide you with periodic due diligence
reviews of your Plan’s fees and expenses and your Plan’s service providers.
• Benchmarking. Titan Retirement Advisors will provide you benchmarking services and will
provide analysis concerning the operations of the Plan.
We can also meet with individual participants to discuss their specific investment risk tolerance,
investment time frame and investment selections.
Securities and other types of investments all bear different types and levels of risk. Those risks are
typically discussed with clients in defining the investment policies and objectives that will guide
investment decisions for their qualified plan accounts. Upon request, as part of our retirement plan
services, we can discuss those investments and investment strategies that we believe may tend to
reduce these risks for a particular client’s circumstances and plan participants.
Clients and plan participants must realize that obtaining higher rates of return on investments entails
accepting higher levels of risk. Based upon discussions with the client, we will attempt to identify the
balance of risks and rewards that is appropriate and comfortable for the client and other employees. It is
still the clients’ responsibility to ask questions if the client does not fully understand the risks associated
with any investment. All plan participants are strongly encouraged to read prospectuses, when
applicable, and ask questions prior to investing.
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We strive to render our best judgment for clients. Still, Titan Retirement Advisors cannot assure that
investments will be profitable or assure that no losses will occur in their portfolios. Past performance is an
important consideration with respect to any investment or investment advisor, but it is not necessarily an
accurate predictor of future performance.
Titan Retirement Advisors will disclose, to the extent required by ERISA Regulation Section 2550.408b-
2(c), to you any change to the information that we are required to disclose under ERISA Regulation
Section 2550.408b-2(c)(1)(iv) as soon as practicable, but no later than sixty (60) days from the date on
which we are informed of the change (unless such disclosure is precluded due to extraordinary
circumstances beyond our control, in which case the information will be disclose as soon as practicable).
In accordance with ERISA Regulation Section 2550.408b-2(c)(vi)(A), we will disclose within thirty (30)
days following receipt of a written request from the responsible plan fiduciary or Plan Administrator
(unless such disclose is precluded due to extraordinary circumstances beyond our control, in which case
the information will be disclosed as soon as practicable) all information related to the Qualified Retirement
Plan Agreement and any compensation or fees received in connection with the Agreement that is
required for the Plan to comply with the reporting and disclosure requirements of Title 1 of ERISA and the
regulations, forms and schedules issued thereunder.
If we make an unintentional error or omission in disclosing the information required under ERISA
Regulation Section 2550.408b-2(c)(1)(iv) or (vi), we will disclose to you the correct information as soon as
practicable, but no later than thirty (30) days from the date on which we learns of such error or omission.
Newsletters
Titan Retirement Advisors occasionally prepares general, educational and informational newsletters.
Newsletters are always offered on an impersonal basis and do not focus on the needs of a specific
individual. Some newsletter content may be produced by third parties.
Workshops
Titan Retirement Advisors offers educational, informative and motivational workshops to the public as well
as to associations, family foundations and employers. Workshops are always offered on an impersonal
basis and do not focus on the individual needs of the participants.
Specialization
Titan Retirement Advisors specializes in providing asset management services to corporate retirement
plans.
Limits Advice to Certain Types of Investments
Titan Retirement Advisors provides investment advice on the following types of investments:
• Exchange Traded Funds (ETFs)
• Mutual Funds
• Insurance
• Real Estate Investments
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• Real Estate Investment Trusts (REITs)
• Tenant in Common Investments (TICs)
• Private Placement Investments
• Stocks & options
Although we generally provide advice only on the products previously listed, we reserve the right to offer
advice on any investment product that may be suitable for each client’s specific circumstances, needs,
goals and objectives.
When providing asset management services, Titan Retirement Advisors typically constructs each client’s
account holdings using ETFs and Mutual Funds to build diversified portfolios. Certain client portfolios may
be constructed utilizing any of the investment options referenced above. It is not our typical investment
strategy to attempt to time the market, but we may increase cash holdings modestly as deemed
appropriate based on your risk tolerance and our expectations of market behavior. We may modify our
investment strategy to accommodate special situations as needed by the client.
(Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more
information.)
Tailor Advisory Services to Individual Needs of Clients
Titan Retirement Advisors’ advisory services are always provided based on your individual needs. This
means, for example, that when we provide asset management services, you are given the ability to
impose restrictions on the accounts we manage for you, including specific investment selections and
sectors. We work with you on a one-on-one basis through interviews and questionnaires to determine
your investment objectives and suitability information.
We will not enter into an investment adviser relationship with a prospective client whose investment
objectives may be considered incompatible with our investment philosophy or strategies or where the
prospective client seeks to impose unduly restrictive investment guidelines.
When managing client accounts through our firm’s Asset Management Services program, we may
manage a client’s account in accordance with one or more investment models. When client accounts are
managed using models, investment selections are based on the underlying model and we do not develop
customized (or individualized) portfolio holdings for each client. However, the determination to use a
particular model or models is always based on each client’s individual investment goals, objectives and
mandates.
Client Assets Managed by Titan Retirement Advisors
As of December 2023, Titan Retirement Advisors managed $360,000,000 on a discretionary basis.