Retirement Roadmap Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$65,006,150
Clients
41
90% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
41
HighAverage account size
$1,585,516
About
Retirement Roadmap Financial Planning serves individual clients, including high-net-worth households, by offering wealth management alongside both ongoing and project-based financial planning. The firm delivers continuous portfolio management and provides written financial plans, and it operates on a fee-only basis without accepting commissions.
The firm’s investment process emphasizes asset allocation grounded in Modern Portfolio Theory and typically uses passive vehicles such as index mutual funds and ETFs, while also offering customized socially responsible portfolios when requested. For managed accounts the adviser commonly has discretionary authority to implement the plan and conducts periodic reviews to align portfolios with clients’ risk tolerance and long-term goals.
What is distinctive about the firm is its fee structure: instead of the common percentage-of-assets model used by most peers, it relies primarily on recurring fixed and project/hourly planning fees and client-authorized custodial billing. The firm also manages a relatively concentrated client roster with substantial assets per client and integrates mainstream custodial platforms and digital tools into its reporting and execution processes.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
Roth conversion strategy
Social Security optimization
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Retired
Fee options
Fixed fees for Project-Based Financial Planning range from $1,000 to $15,000.
Hourly rate for Project-Based Financial Planning ranges from $300 to $500 per hour.
Minimum fee: Wealth Management quarterly fees range from $500 to $4,000 paid quarterly in arrears, dependent on complexity and client needs. Fee-only: Firm is fee-only, compensated solely by clients for services provided.
Main office location
Retirement Roadmap Financial Planning
San Diego CA, United States
Number of offices
1
Most active in
Retirement Roadmap Financial Planning has reported serving >5 clients in these states in the last 12 months.
California · Texas
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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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
Quick links
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")