Retirement Planning Solutions, LLC logo

Retirement Planning Solutions, LLC

Updated today

Client assets under management

$465,900,378

Clients

1,210

6% high-net worth

Advisors

8

of 17 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

151

Very High

Average account size

$385,042

About

Retirement Planning Solutions, LLC advises individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans and maintains a dedicated division, RPS Sports Private Wealth, to serve amateur and professional athletes. Services described in the brochure include discretionary investment management, comprehensive financial planning and consulting, retirement account advice (including ERISA/IRA guidance), and assistance with held-away retirement accounts through a third-party platform.

The firm’s investment approach is primarily long-term focused but employs fundamental, technical and charting analysis and may engage in shorter-term trades, option strategies (including covered and spread strategies), and the use of external money managers when appropriate. RPS also uses third-party pricing and an order management system to implement tax-efficient asset location and opportunistic rebalancing for held-away defined contribution and similar accounts.

Several operational features distinguish RPS from many peers: it sponsors a wrap-fee program for legacy accounts (no new wrap accounts are being opened) and discloses that multiple advisory personnel also act as licensed insurance professionals and as registered representatives of broker-dealers (earning separate commissions). The brochure also notes the firm’s use of outsourced specialists for tax preparation and estate-planning support (paid by the advisor) and its explicit procedures for managing held-away assets via a platform that avoids custodial access.

Client services

Financial planning Portfolio management

Expertise

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting

Occupation focus

Professional Athlete

Fee options

Fixed

Fixed fees ranging from $500 to $10,000 for financial planning engagements; ongoing fixed fees $1,200 to $4,800 annually billed monthly.

Percentage

Negotiable up to 2.50% annually

Commissions

Certain advisory persons receive separate commission-based compensation through affiliated broker-dealers and insurance sales.

Project-based

Up to $300 per hour for financial planning services.

Subscriptions

Ongoing financial planning support fees billed monthly as part of annual fixed fee ($1,200 to $4,800 annually).

Other

Fee-only: Financial planning fees: hourly up to $300/hour; fixed fees from $500 to $10,000; ongoing planning support annual fixed fee $1,200 to $4,800, billed monthly.

Main office location

Retirement Planning Solutions, LLC

3432 Stony Spring Circle

Louisville KY 40220, United States

Number of offices

3

Most active in

Colorado · Florida · Georgia · Illinois · Indiana · Kentucky · Louisiana · Maryland · New Hampshire · North Carolina · Ohio · Oregon · Pennsylvania · South Carolina · Tennessee · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Kamal K

Series 65

Louisville, KY

Retirement Planning Solutions, LLC

Kamal Kabra is a financial advisor at Retirement Planning Solutions, LLC with two years of industry experience. He holds a Series 65 designation and concurrently works as an IT Operations Manager at Humana, a role he has held since 2000. Kamal is also involved in insurance services through World Financial Group Insurance Agency, LLC, dedicating a small portion of his time to this activity. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolio construction with a fiduciary approach and includes a specialized division serving amateur and professional athletes.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

John H

Series 66

Louisville, KY

Retirement Planning Solutions, LLC

John Hutchins is a financial advisor with Retirement Planning Solutions, LLC in Louisville, KY, holding a Series 66 credential and 16 years of industry experience. He has worked at several firms, including LPL Financial LLC and First Allied Securities, LLC. Outside of his advisory work, Hutchins is involved in coaching lacrosse at the high school level. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, including a specialized division for amateur and professional athletes. The firm operates as a fiduciary, constructing customized portfolios using fundamental, technical, and charting analysis with flexibility for shorter-term trading.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

Peter G

Series 63, Series 65

Louisville, KY

Retirement Planning Solutions, LLC

Peter Gaughan is a financial advisor with Retirement Planning Solutions, LLC in Louisville, KY, holding Series 63 and Series 65 licenses and having 42 years of industry experience. He has previously worked at Raymond James and Silver Oak Securities. Outside of his advisory role, he owns and manages Peter J. Gaughan LLC, a business focused on administrative and budgeting support. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, including a division serving amateur and professional athletes. The firm operates as a fiduciary, offering customized portfolios using fundamental, technical, and charting analysis with ongoing monitoring and internal due diligence.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

Noah E

CFP®, Series 63, Series 65

Louisville, KY

Retirement Planning Solutions, LLC

Noah Ellison is a CFP® with three years of industry experience, currently with Retirement Planning Solutions, LLC in Louisville, KY. He has worked at Silver Oak Securities, Inc. since 2023 and has a background that includes roles at Indiana State University and Purdue University. Outside of his advisory role, he is also a licensed life insurance agent, recommending and writing life insurance policies. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, including a specialized division for amateur and professional athletes. The firm operates as a fiduciary, offering customized portfolios that blend fundamental, technical, and charting analysis with flexibility for shorter-term trading as needed.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

Marc N

Series 63, Series 66

Louisville, KY

Retirement Planning Solutions, LLC

Marc Noonan is a financial advisor with Retirement Planning Solutions, LLC, holding Series 63 and Series 66 credentials and over 33 years of industry experience. He has worked at several firms, including Clover Wealth Partners, Legacy Advisory Services, and First Allied Advisory Services. Outside of advising, he serves as a notary public and is the owner and president of Noonan Enterprises. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, with a specialized division for amateur and professional athletes. The firm operates as a fiduciary, offering customized portfolios based on fundamental, technical, and charting analysis, along with ongoing investment monitoring and financial planning support.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

Michael E

Series 63, Series 65

Louisville, KY

Retirement Planning Solutions, LLC

Michael Ellison is a financial advisor with Retirement Planning Solutions, LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at First Allied Advisory Services, First Allied Securities, and Magnate Advisory Services. Outside of advising, he is involved in real estate as an owner, broker, and developer through MJE Enterprises LLC. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm offers discretionary portfolio management and financial planning with a fiduciary approach, constructing customized portfolios that combine fundamental, technical, and charting analyses.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

Lawrence C

Series 63, Series 65

Louisville, KY

Retirement Planning Solutions, LLC

Lawrence Carter is a financial advisor at Retirement Planning Solutions, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Purshe Kaplan Sterling Investments and Wells Fargo Advisors. Outside of his advisory role, he serves as an advisor to the board of a local condo association and provides notary services to personal clients. Retirement Planning Solutions, LLC offers wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm constructs customized portfolios using a combination of fundamental, technical, and charting analysis, and provides ongoing investment monitoring and review.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
user avatar

Rodney B

Series 63, Series 66

Louisville, KY

Retirement Planning Solutions, LLC

Rodney Brooks is a financial advisor with Retirement Planning Solutions, LLC, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has worked with several firms including Clover Wealth Partners, LLC, First Allied Advisory Services, Inc., and Linsco Private Ledger. In addition to his advisory roles, he is the owner of KKGAM, Inc., a holding company. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, including a specialized division for amateur and professional athletes. The firm operates as a fiduciary and uses a combination of fundamental, technical, and charting analysis to construct primarily long-term, customized portfolios with ongoing monitoring and review.

Retirement income strategy Annuities Options & derivatives strategies Wealth management Tax-loss harvesting Professional Athlete
Warmer team member

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

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")