Monadnock Retirement Solutions, LLC

The firm provides comprehensive financial planning and investment management to individual and high‑net‑worth clients, delivering written financial plans and ongoing portfolio oversight. Services span retirement planning, tax and cash‑flow analysis, insurance and long‑term care reviews, 401(k) evaluations, and tailored model portfolios implemented through third‑party sub‑advisers or co‑advisers.

Accounts are managed primarily on a non‑discretionary basis — the brochure states the firm manages approximately $9.15 million of client assets with clients retaining final trade authority — while the adviser recommends asset allocations, selects and monitors third‑party managers, and conducts at least annual reviews. The firm coordinates implementation and reporting through a recommended institutional platform and retains the ability to evaluate, hire, or replace sub‑advisers as part of its oversight process.

Noteworthy differences from many peers include that the firm’s owner is a licensed insurance agent who may recommend and sell insurance products for separate commission compensation, a disclosed potential conflict the firm says it seeks to mitigate through policies and client choice. The firm also emphasizes a small client roster and direct adviser involvement, and notes the owner’s additional role as a part‑time instructor, which may lead to more hands‑on advisor relationships than larger practices.