Retirement Wealth Management, LLC

Retirement Wealth Management, LLC provides investment advisory, financial planning, and pension consulting services to individuals, retirement plans, trusts, estates, charitable organizations and business entities, tailoring advice and written investment policy statements to each client. Offerings described in the brochure include model‑based portfolio management implemented through unaffiliated sub‑advisers, written financial plans, and plan‑level services such as IPS preparation, vendor selection, benchmarking and participant education.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes strategic asset allocation rather than market timing or individual security selection; portfolio implementation is typically delegated to vetted third‑party sub‑advisers. RWM, LLC describes ongoing oversight of those sub‑advisers and regular account reviews (at least quarterly), and generally operates under discretionary authority for portfolio management as granted by clients.

Noteworthy features for a firm of this size include a small advisory team with a limited client base and a pronounced emphasis on pension consulting work (including RFP management and ERISA‑style compliance support). The brochure also discloses that, while the firm presents itself as an independent fee‑oriented adviser, certain associated persons are separately licensed insurance agents who may receive separate compensation for implementation, and that the firm generally does not vote client proxies — points a prospective client may want to consider.