Advanced Retirement Solutions, Inc.

Advanced Retirement Solutions provides investment supervisory services and financial planning to individual investors, trusts, estates, charitable organizations, and business entities, serving both non‑HNW and high‑net‑worth clients. Like many peers, it charges percentage‑of‑AUM advisory fees and offers portfolio management alongside hourly or fixed‑fee planning work.

The firm primarily delivers discretionary portfolio management using a mix of fundamental, technical and cyclical analysis, with models that rely on relative strength, momentum and moving averages and that are typically rebalanced quarterly. Some aggressive growth models use leveraged exchange‑traded funds on a limited basis, which the brochure notes can increase risk and tax complexity relative to traditional ETFs.

The practice is small and closely held, managing roughly $4.55 million for about 41 clients, and has a recent regulatory disclosure: it entered a consent order resolving a cease‑and‑desist matter and subsequently withdrew registration in the affected state, with a modest civil penalty. The firm’s principals also maintain affiliated insurance businesses and spend a material portion of their time on insurance and annuity sales, a disclosed conflict mitigated by the firm’s fiduciary obligations and by giving clients the option to obtain insurance elsewhere.