Masterplan Retirement Consultants

MasterPlan Retirement Consultants provides discretionary asset management, comprehensive financial planning, and retirement-plan services, including serving as a limited‑scope ERISA 3(21) fiduciary for 401(k), 403(b), pension and similar plans. The firm also offers ongoing consulting, participant education and implementation support for plan sponsors and individual investors.

MasterPlan typically manages accounts on a discretionary basis and uses both strategic and tactical asset‑allocation approaches, often placing client assets with third‑party managers or sub‑advisors while retaining oversight and monitoring responsibilities. The firm documents client goals, conducts periodic reviews, and delivers written financial plans and regular follow‑up meetings as part of its client relationship model.

Noteworthy aspects disclosed in the firm’s ADV include that several principals operate outside insurance businesses and act as licensed insurance agents who receive commissions, and the firm receives referral fees and other economic benefits from third‑party manager relationships — items the brochure flags as potential conflicts of interest and describes in its recent material disclosures. The ADV also reports no client assets under management as of December 31, 2025, indicating a model that relies heavily on sub‑advisor/TPM arrangements and product sales rather than direct custody of client assets.