Retirement Planners, Inc.

Retirement Planners, Inc. offers stand‑alone financial planning and non‑investment consulting to individuals, trusts, estates and related clients, addressing matters such as estate planning, insurance and retirement projections. The firm does not provide investment supervisory, portfolio management, reporting, custody, or ongoing implementation services.

Instead of managing client portfolios, Retirement Planners delivers written plans and consulting and invoices clients on a fixed or negotiable fee basis rather than charging a percentage of assets; clients are responsible for implementing recommendations and for notifying the firm of changes, and ongoing monitoring is not provided unless separately contracted. For implementation the firm typically refers clients to third‑party professionals and may have affiliated implementation options through third‑party broker‑dealers or insurance channels.

Distinctive features noted in the brochure include reporting $0 in assets under management and the absence of percentage‑of‑AUM fees, together with the firm’s role in sub‑advisory arrangements and the principal’s ability to effect transactions or insurance sales in an individual capacity. Those affiliated implementation and referral relationships — including the potential for commission, 12b‑1, or dealer compensation and precious‑metals referral fees — are disclosed and represent potential conflicts of interest relative to purely fee‑only advisory models.