The Retirement Optimization Group, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
131
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
131
Average account size
$0
About
The Retirement Optimization Group, LLC provides financial consulting and estate-planning support primarily to individual and high‑net‑worth clients, and refers investment accounts to third‑party money managers rather than directly managing client assets. The firm also offers public educational seminars and workshops on investments and its services; attendance at these seminars is not charged.
Instead of exercising investment discretion, the firm acts as a liaison to third‑party money managers—helping clients complete onboarding paperwork, reviewing quarterly statements, and delivering the third‑party managers’ disclosure materials—while clients are billed by those managers. Its financial consulting deliverables include an online document vault, a Social Security maximization analysis, a “Color of Money” risk profile, Morningstar portfolio analysis, and complimentary financial planning services.
Distinctive features include the firm’s affiliation with insurance activities—its principal is a licensed insurance agent and the firm offers estate planning support through the Estate Guru platform while expressly not providing legal advice or drafting documents. The firm’s business model of receiving referral fees from third‑party managers (rather than directly charging AUM) combined with regularly offered educational workshops and limited-scope estate planning support is less common among independent, single-advisor firms.
Client services
Expertise
Fee options
Estate Planning Support Services charged a standard flat fee of $900, non-negotiable, payable upon completion.
Account minimum: Determined by the third-party money managers to whom clients are referred; no specific minimum stated by TROG Minimum fee: Client Directed Accounts have a flat annual fee of $300 to Gradient Investments, LLC; no minimum fee stated by TROG.
Main office location
The Retirement Optimization Group, LLC
1888 Kalakaua Ave, Suite C312
Honolulu HI 96815, United States
Number of offices
1
Most active in
Alaska · Arizona · Colorado · Hawaii · Maryland · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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
Quick links
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