Retirement & Investment Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$4,550,000
Total clients
22
0% high-net worth
Total advisors
1
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
22
Average account size
$206,818
About
Retirement & Investment Planning, Inc. provides advisory services to individual (primarily non‑high‑net‑worth) clients and to retirement-plan sponsors, offering non‑discretionary asset management, ERISA 3(21) plan advisory, and broader retirement planning and financial planning support. The firm also facilitates access to model and sub‑adviser programs through platforms such as GeoWealth and Orion Portfolio Solutions and arranges relationships with third‑party managers.
The firm operates an advisory, non‑discretionary model in which it recommends securities and portfolio adjustments but obtains client approval before executing transactions; client objectives are documented in an investment policy and accounts are reviewed at least quarterly for rebalancing and tax‑loss harvesting opportunities. Investment analysis draws on a mix of methods (fundamental, technical, charting and cyclical analysis), and the firm may refer clients to third‑party managers while maintaining ongoing monitoring and liaison responsibilities.
Noteworthy aspects relative to peers include that virtually all reported AUM is managed on a non‑discretionary basis—an arrangement that is statistically uncommon for supported firms—and that the firm’s principal maintains an affiliated insurance practice, devoting roughly 30% of time to that business and receiving customary insurance compensation. The firm also discloses referral and revenue‑sharing arrangements with certain third‑party managers and serves a small, primarily non‑HNW client base with a principal who holds retirement‑income planning credentials.
Client services
Expertise
Fee options
$75 fixed-dollar fee per account for paper statements or $25 for electronic statements for households below $100K; $15 Quarterly Service Fee per account or investment strategy
$0 - $100,000: 1.50% (RI Planning advisory fee; negotiable) $0 - $250,000: 0.79% (GeoWealth UMA Models, includes RI Planning fee) $0 - $250,000: 0.38% (GeoWealth Fund Models, includes RI Planning fee) $250,000 - $500,000: 0.73% (GeoWealth UMA Models, includes RI Planning fee) $250,000 - $500,000: 0.36% (GeoWealth Fund Models, includes RI Planning fee) $500,000 - $2,000,000: 0.66% (GeoWealth UMA Models, includes RI Planning fee) $500,000 - $2,000,000: 0.34% (GeoWealth Fund Models, includes RI Planning fee) $2,000,000 - $5,000,000: 0.48% (GeoWealth UMA Models, includes RI Planning fee) $2,000,000 - $5,000,000: 0.32% (GeoWealth Fund Models, includes RI Planning fee) $0+: Gradient Investments, LLC Strategic Portfolios: 2.00% total (1.00% GI + 1.00% RI) $0+: Gradient Investments, LLC Tactical Portfolios: 1.80% total (0.80% GI + 1.00% RI) $0+: Gradient Investments, LLC Allocation & Defined Outcome Portfolios: 1.70% total (0.70% GI + 1.00% RI) $0+: Gradient Investments, LLC Preservation Portfolios: 1.00% total (0.40% GI + 0.60% RI) $0+: Gradient Investments, LLC Private Wealth Portfolios: 1.50% total (0.50% GI + 1.00% RI)
Insurance commissions received by Michelle Shawn as insurance agent, separate from advisory fees
Minimum fee: $75 fixed-dollar fee per account for paper statements or $25 for electronic statements for households below $100K; $15 Quarterly Service Fee per account or investment strategy Fee-only: RI Planning charges advisory fees based on percentage of assets under management; fees are negotiable
Main office location
Retirement & Investment Planning, Inc.
616 Petoskey St., Suite 208
Petoskey MI 49770, United States
Number of offices
1
Most active in
Michigan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")