The Retirement Planners, USA, LLC

The firm provides personalized financial planning and investment management to individuals, high‑net‑worth clients, trusts, and small businesses, offering ongoing portfolio management, retirement planning, and ERISA plan services. Like many peers, it charges fees based on assets under management and offers both discretionary and non‑discretionary arrangements.

Investment programs are established through client consultations and documented investment policy statements, with security analysis that includes fundamental, technical, and cyclical methods and periodic monitoring and reporting. For retirement plans the firm can act as a limited‑scope ERISA 3(21) advisor or as a full discretionary 3(38) investment manager, and it provides participant education and group enrollment meetings as part of plan services.

This firm is distinctive for managing a relatively large number of client relationships for its size (about 234 clients on roughly $60 million in AUM), and for offering annuity management (variable and fixed‑index annuities) and seminars/workshops — services that are less common among similar supported firms. The advisory team also maintains affiliated insurance and broker‑dealer activities that produce commission‑based compensation for some product sales; the brochure discloses these relationships and describes procedures intended to mitigate the associated conflicts of interest.