Retirement Solutions
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$5,756,930
This total excludes 7 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
5
60% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
5
Average account size
$1,151,386
About
Retirement and Investment Solutions provides discretionary and non‑discretionary asset management, financial planning and consulting, and ERISA plan services to individuals (including high‑net‑worth clients) and to retirement plans such as 401(k)s, cash balance and profit‑sharing plans. Offerings include ongoing portfolio management, customized financial plans, and business retirement plan evaluation and preparation.
The firm implements client‑specific strategies based on stated objectives and risk tolerance, using fundamental and technical analysis and a mix of long‑term, short‑term and trading approaches as appropriate. It also uses a co‑advisor relationship with Gradient Investments, LLC to provide model portfolios and retains the ability to serve as a 3(21) or 3(38) advisor, including participant education and group enrollment meetings for plan sponsors.
Noteworthy aspects for a firm of this size include formal affiliations with another registered investment adviser (Gradient Investments) and with an insurance business (services offered through Oakwood Summit, LLC), and that the principal’s insurance activities generate a significant portion of compensation; the brochure discloses these conflicts and describes mitigation through disclosures and fiduciary procedures. The firm’s provision of pension consulting and preparation of cash‑balance and other retirement plan designs, combined with a modest asset base (about $5.76 million) and a very small client roster, distinguishes its service mix from many peers.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Expertise
Retirement income strategy
Social Security optimization
General retirement planning
Retirement plans for business owners (SEP, solo 401k)
Business exit / sale strategy
Occupation focus
Founder/Business Owner
Retired
Demographic focus
Approaching retirement
Baby Boomers (Born 1946-1964)
Fee options
Financial planning fixed fees ranging from $500 to $10,000 depending on service complexity
$0+: Up to 1.5% annually for Asset Management and ERISA Plan Services (negotiable) All Assets+: Gradient Investments Co-Advisor Fees vary by portfolio type: Strategic Portfolios 2.00% total (1.00% GI + 1.00% Advisor); Tactical Portfolios 1.80% total (0.80% GI + 1.00% Advisor); Allocation & Defined Outcome Portfolios 1.70% total (0.70% GI + 1.00% Advisor); Preservation Portfolios 1.00% total (0.40% GI + 0.60% Advisor) All Assets+: Client Directed Accounts: $300 flat fee to GI; $0 to Advisor
Investment Advisor Representatives receive external compensation from sales of investment-related products such as insurance (commission-based) separately from advisory fees
$200 per hour for financial planning and consulting services
Account minimum: $25,000 minimum (may be lowered or waived in certain instances) Minimum fee: Minimum annual fee of $500 for asset management and ERISA plan services Fee-only: Asset management fees and financial planning fees as described; no commissions for advisory services
Main office location
Retirement Solutions
Rio Rancho NM, United States
Number of offices
1
Most active in
Retirement Solutions has reported serving >5 clients in these states in the last 12 months.
Maine · New Mexico
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 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.
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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