The Retirement Planning Group, LLC

The Retirement Planning Group serves individual and high-net-worth clients — many of whom are approaching or in retirement — and also provides advisory and fiduciary services to retirement plans. The firm manages roughly $4.16 billion for several thousand client accounts and offers a range of services including asset management, income and financial planning, Social Security optimization, and retirement-plan consulting under ERISA.

The firm’s client work is built around a formally structured retirement planning process that produces a personalized written plan and periodic updates; investment management emphasizes diversified allocations implemented chiefly with mutual funds and ETFs and periodic rebalancing in line with clients’ stated risk tolerance. TRPG disclaims tax efficiency as a primary objective unless separately agreed, but supplements portfolio management with in-house tax planning, tax preparation support, and formal financial-plan reviews.

TRPG is part of a larger corporate group (Aretec/Cetera) and discloses affiliated broker-dealer and clearing arrangements (including Cetera Investment Services) and relationships with multiple custodians, which the firm says provide both operational scale and potential conflicts of interest to monitor. The firm’s combination of retirement-plan fiduciary consulting, in-house tax/CPA resources, bookkeeping and payroll services, and a Legacy Wealth Strategies program that coordinates estate-document work with outside attorneys is a distinctive operational footprint compared with many multi-team peers.