American Retirement Planning Group Inc

American Retirement Planning Group, Inc. manages approximately $348 million on behalf of individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts and foundations, and provides ERISA plan services and hourly financial consultations. The firm serves both discretionary and non‑discretionary accounts and offers investment management through custodial relationships that include Pershing.

ARPG runs an in‑house Macro Top‑Down Fundamental/Technical allocation process that monitors multiple indicators weekly to adjust portfolio asset allocation; portfolios may include mutual funds, ETFs, individual equities and bonds, money market instruments, and variable annuity sub‑accounts. The firm also offers a higher‑risk “Cerberus” unconstrained strategy that emphasizes long‑term capital appreciation with hedging to vary equity exposure and a no‑load variable annuity (NLVA) program as part of its managed offerings.

A distinctive feature of ARPG is that its advisory representatives are also registered representatives of United Planners Financial Services of America (a broker‑dealer) and are licensed insurance agents, and the firm is a limited partner of United Planners, which the brochure discloses may result in commissions in addition to advisory fees and potential conflicts of interest. The firm also discloses constructive custody for fee deduction and provides a range of ERISA fiduciary and non‑fiduciary plan services (including 3(21) arrangements and participant advice), operating with a relatively small advisor team for its asset base.