Retirement Planning and Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$83,547,481
Total clients
61
49% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
61
Average account size
$1,369,631
About
Retirement Planning and Management, Inc. provides investment advisory services and third‑party retirement plan administration to individuals, trusts, businesses, estates, and employer‑sponsored retirement plans, and offers consulting on life insurance policies. The firm’s advisory scope includes portfolio construction and retirement plan administration but does not include disability, health, long‑term care, or property/casualty insurance recommendations.
The firm relies primarily on fundamental analysis and typically implements diversified portfolios using mutual funds, exchange‑traded funds, fixed‑income instruments and insurance products, and may recommend dollar‑cost averaging or laddered fixed‑income strategies to manage market risk. Accounts are managed on a non‑discretionary basis—clients authorize trades—and as of December 31, 2025 the firm reported approximately $83.5 million in non‑discretionary assets under management and $0 discretionary AUM.
Distinctive features include the firm’s combination of pension consulting and third‑party retirement plan administration alongside individual advisory services, and the principal’s active role in related accounting and insurance consulting (the principal holds a CPA license and operates a consulting business that captures ongoing service commissions on previously sold insurance products). The firm provides plan‑level services such as retirement plan tax form preparation and trust balancing and routinely serves pension/profit‑sharing and other institutional retirement plan clients, activities that are less common among similarly sized independent advisers.
Client services
Expertise
Fee options
Fixed fees from $250 to $5,000 for financial plans; fixed fees up to 3% of assets for one-time investment advice, minimum $300
$0 - $375,000: 1.00% (pension clients), 1.50% (individual clients) $375,001 - $750,000: 0.80% (pension clients), 1.20% (individual clients) $750,001 - $1,500,000: 0.60% (pension clients), 0.90% (individual clients) $1,500,001 - $3,000,000: 0.45% (pension clients), 0.60% (individual clients) $3,000,001+: 0.35% (pension clients), 0.40% (individual clients)
Up to $250 per hour depending on complexity
Minimum fee: $500 minimum annual fee for pension plans; $300 minimum annual fee for individual clients Fee-only: Fixed fees for financial plans ranging from $250 to $5,000; hourly rates up to $250/hour; fixed fees up to 3% of assets for one-time investment advice with minimum $300
Main office location
Retirement Planning and Management, Inc.
Lakeville MN, United States
Number of offices
1
Most active in
Minnesota
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
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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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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