Retirement Collaborative LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$37,821,540
Clients
178
4% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
178
Very HighAverage account size
$212,481
About
Retirement Collaborative LLC provides fee‑only investment advisory and retirement plan consulting to individuals, small business owners, plan sponsors, and institutional clients including defined contribution and defined benefit plans. Its service set includes discretionary and non‑discretionary investment management, wealth planning, participant education, and pension consulting.
The firm follows a documented four‑step Fiduciary Quality Management System — Organize, Formalize (Investment Policy Statement), Implement, and Monitor — and uses proprietary deliverables such as Tactical Forecast Strategies to guide participant allocations. It leverages platform technology (including the Pontera interface for employer‑sponsored plans and a client portal/eMoney site) to access plan holdings, implement recommendations, and provide ongoing reporting.
Notable for a solo independent adviser, the firm actively provides portfolio management for institutional clients and explicit pension consulting services (fiduciary reviews, RFP/benchmarking, IPS preparation) alongside its individual client work. The brochure also discloses licensed insurance activity and formal relationships with insurers (including Jackson National Life and Allianz Life), with insurance sales noted as a material portion of advisor time, an atypical combination of services for a firm of this size.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Retirement income strategy
Social Security optimization
Charitable giving & philanthropy
Occupation focus
Founder/Business Owner
Retired
Fee options
Fixed fees for retirement plan consulting and investment management services typically billed quarterly, not to exceed $50,000 per quarter. Various fixed fees for wealth management services ranging from $100 per year to $1,500 for initial financial plan.
$0 - $10,000: 1.50% $10,001 - $50,000: 1.00% $50,001 - $250,000: 0.95% $250,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.80% $1,000,001 - $2,500,000: 0.70% $2,500,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.30% $10,000,001 - $20,000,000: 0.20%
Up to $300 per hour, negotiable depending on complexity.
Minimum fee: Advice only retirement account advisory service has a minimum annual fee of $300. Fee-only: Firm is a fee-only investment adviser.
Main office location
Retirement Collaborative LLC
2000 Linglestown Road, Suite 303
Harrisburg PA 17110, United States
Number of offices
1
Most active in
Retirement Collaborative LLC has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
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.
-
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.
-
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.
-
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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