Retirement Wealth Management, Inc.

Retirement Wealth Management provides personalized investment management to individuals, pension and profit‑sharing plans, trusts, estates and small businesses, with investment guidance that may include informal tax and retirement planning as it relates to portfolio management. The firm is fee‑only and does not accept commissions or sell financial products; as of March 2025 it reports managing about $26.1 million for roughly 31 client households.

Investment policies are developed from client discussions about circumstances and risk tolerance and are implemented primarily on a discretionary basis, with portfolios built from individual stocks, no‑load mutual funds and exchange‑traded funds. The firm uses fundamental, technical and business‑cycle analysis and states an emphasis on long‑term holdings and risk control, including actions to reduce risk in adverse market periods; trades are generally executed through discount brokers and the firm recommends Charles Schwab as a qualified custodian.

Notable distinctions include a relatively small client base for its reported assets under management and a stated $350,000 account minimum that the firm may waive, which can result in a higher AUM-per-client relationship than is typical for peers. The brochure highlights the principal’s long tenure (firm founded in 1999) and ongoing market commentaries prepared by the principal, and it discloses written personal‑trading restrictions and supervisory oversight—along with a statement that clients receive preferential treatment and that the adviser can debit client accounts for fees, which the firm notes may create constructive custody.