In the Money Retirement Planning Limited Liability Company
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,098,000
Clients
7
43% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
7
Very LowAverage account size
$156,857
About
In The Money Retirement Planning LLC provides fee-only investment management and comprehensive financial planning to individual clients and to employer‑sponsored retirement plans. The firm delivers portfolio management, retirement distribution planning, cash‑flow analysis, and coordinates referrals to third‑party professionals as part of its fiduciary services.
The firm builds individualized investment policies and manages accounts using custodial and sub‑advisory platforms, including GeoWealth and Betterment, and may engage outside managers while retaining oversight and discretionary trading authority. Financial planning engagements cover areas such as retirement projections, tax‑aware strategies, insurance and risk management, and include ongoing reviews typically conducted on a periodic basis.
Uncommonly for peers, the firm offers educational seminars and speaking engagements that are explicitly educational (not product sales) and can be delivered virtually or in person in coordination with host organizations. The firm also integrates digital tools into its service mix—using Betterment for plan services and a third‑party estate‑document facilitator to help clients organize estate planning documents—which distinguishes its offerings from many independent advisers.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Retirement income strategy
Cash flow / budgeting
Fee options
Project-Based Financial Planning fixed fees range from $1,500 to $15,000; Educational Seminars fees range from $0 to $5,000 per seminar.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,000 - $5,000,000: 0.90% $5,000,001+: 0.75%
Hourly fees range from $200 to $500 for Project-Based Financial Planning.
Recurring fixed fees for Financial Planning services paid monthly in arrears ranging from $99 to $1,000.
Fee-only: Financial Planning services monthly fees from $99 to $1,000; Project-Based Financial Planning fixed fees $1,500 to $15,000; hourly fees $200 to $500.
Main office location
In the Money Retirement Planning Limited Liability Company
161 Boston Post Rd., Suite 4 Office 5
Waterford CT 06385, United States
Number of offices
1
Most active in
In the Money Retirement Planning Limited Liability Company has reported serving >5 clients in these states in the last 12 months.
Connecticut
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
LinkedIn
Facebook
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Instagram
YouTube
Website
860-333-5131
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