Retirement Income Planning llc
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$56,770,000
Total clients
163
10% high-net worth
Total advisors
1
of 6 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
163
Average account size
$348,282
About
Retirement Income Planning LLC provides discretionary asset management through a co‑advisor relationship with a third‑party manager and offers standalone financial planning services for individuals, high‑net‑worth clients, and trusts or estates. Portfolios managed for clients typically use no‑load mutual funds, ETFs, individual equities and money market funds, and financial plans are delivered on a project basis.
The firm delegates portfolio implementation to the third‑party manager while retaining discretion to select and change model portfolios to align with each client’s documented objectives and risk tolerance; RIPL does not pick individual securities inside those models. Accounts are reviewed at least quarterly, held at independent custodians, and the firm reports approximately $56.8 million in assets under management with a $50,000 account minimum.
Notable differences from many peers include operating a relatively large number of client relationships for a single‑advisor practice and the fact that both the firm’s principal and its supervised person are licensed insurance agents who may receive commission compensation for insurance sales — a disclosed conflict the firm says it mitigates through procedures and fiduciary duties. The firm also shares in and may receive incentive payments from its third‑party manager under a tiered participation arrangement, a revenue practice that is less common among similar supported firms.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Retirement income strategy
General retirement planning
Income planning
Fee options
All Assets+: 1.00% to 1.50% annually depending on portfolio type (RIPL's portion) All Assets+: 0.40% to 0.50% annually depending on portfolio type (Gradient Investments portion) All Assets+: $300 flat fee for Client Directed Accounts (GI fee)
Insurance commissions received by firm principals as licensed insurance agents
Account minimum: $50,000 Minimum fee: $15 Quarterly Service Fee (technology fee) per account or investment strategy Fee-only: Fixed fees for financial planning ranging from $750 to $10,000 depending on complexity
Main office location
Retirement Income Planning llc
2310 Crossroads Drive, Suite 4700
Madison WI 53718, United States
Number of offices
2
Most active in
Retirement Income Planning llc has reported serving >5 clients in these states in the last 12 months.
Wisconsin
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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