Simplified Retirement
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
1
0% 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
1
Very LowAverage account size
$0
About
Simplified Retirement provides retirement-focused financial planning to individuals and families, with services primarily geared toward educators. The firm prepares comprehensive plans, makes specific recommendations, and offers periodic follow-up, but it does not provide discretionary portfolio management.
The firm’s investment guidance emphasizes low-cost, passive options — typically no-load index funds and target retirement funds — and a buy-and-hold approach informed by Modern Portfolio Theory and related academic frameworks. Recommendations are tailored to clients’ goals, time horizon, and risk tolerance, while clients retain responsibility for implementing and monitoring investment decisions.
Distinctively, the practice is a very small, solo operation whose principal also works as a public school psychologist, and the firm reports no client assets under management and does not use percentage-of-assets (AUM) fee billing. Simplified Retirement also does not take custody of client assets or accept trading discretion, focusing its service model on plan development and client education rather than ongoing asset administration.
Client services
Financial planning
Expertise
General retirement planning
Cash flow / budgeting
Debt management
Occupation focus
Educators, Teachers, and Academics
Fee options
$250 flat fee for financial plan delivery; $250 semi-annual fee for ongoing consultation
Fee-only: $250 flat fee upon delivery of financial plan; $250 every six months for ongoing consultation services; fees negotiable based on complexity and scope
Main office location
Simplified Retirement
Charlottesville VA, United States
Number of offices
1
Most active in
Simplified Retirement has reported serving >5 clients in these states in the last 12 months.
Virginia
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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