Preferred Retirement Options, Inc

Preferred Retirement Options serves primarily individual clients and sponsors of corporate retirement plans, offering personalized financial planning, education, and advisory services. The firm acts as a secondary advisor to a third-party manager and also provides standalone services such as a negotiable flat-fee portfolio analysis (MRI) and public educational seminars and workshops.

The firm operates under a co-advisory agreement with Matson Money, which Matson Money handles discretionary investment management, trading, reporting, and custodian reconciliations while Preferred Retirement Options maintains the client relationship, assists with suitability and allocation, and conducts annual reviews. Preferred Retirement Options reports no discretionary assets under management and relies on Matson Money to debit and remit advisory fees and to implement investment strategies on client accounts.

Distinctive elements in the brochure include that four of the five investment advisor representatives are licensed insurance agents and devote substantial portions of their time to that activity (approximately 40% for James T. Hancock and Aaron Davis, 70% for Olin K. Barkdull, and 60% for Vern Barkdull), a practice disclosed as a potential conflict of interest. The firm also emphasizes ongoing client coaching through workshops and seminars, offers the low-cost MRI service, and discloses use of endorsements in its advertising—features the brochure presents that are less common among comparable team firms.