O
On Track to Retire LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
On Track to Retire LLC provides financial planning and investment advice to individuals and high‑net‑worth individuals, covering areas such as retirement, tax, insurance, college and debt/credit planning. The firm reports no assets under management and discloses $87 million in assets under advisement as of January 2026.
OTTRL’s investment approach combines fundamental analysis and modern portfolio theory and typically favors long‑term trading with a primary recommendation toward equity index funds while using mutual funds, ETFs (including precious‑metal sectors), fixed income, REITs, annuities, TIPS, commodities and non‑U.S. securities for diversification. Services are delivered through client-specific financial plans and tailored recommendations based on clients’ income, tax situation and risk tolerance rather than ongoing discretionary trading.
What is distinctive about the firm is its fee and operational model: it charges fixed and hourly financial planning fees and does not employ percentage‑of‑AUM billing, a less common arrangement among investment managers. OTTRL also does not trade client accounts, does not take custody or investment discretion, does not accept performance‑based fees, and does not select third‑party managers or participate in wrap programs, which differentiates its service and compliance profile from many peers.
Client services
Financial planning
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Life insurance needs analysis
Debt management
Fee options
Fixed financial planning fees negotiated between $650 and $1,200
$120 per hour
Fee-only: Fixed fees between $650 and $1,200 per financial plan; hourly rate of $120 per hour
Main office location
On Track to Retire LLC
Livonia MI, United States
Number of offices
1
Most active in
On Track to Retire LLC has reported serving >5 clients in these states in the last 12 months.
Illinois · Michigan · Texas
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:
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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.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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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.
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Lawyer
They provide legal services, typically billed separately.
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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
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