Retire Agile
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Align Financial, doing business in some markets as Retire Agile, provides comprehensive financial planning and discretionary investment management to individual and high‑net‑worth clients. Services include ongoing portfolio management, stand‑alone financial plans and annual reviews, and advice on held‑away accounts such as employer‑sponsored retirement plans and annuities.
The firm applies a mix of fundamental, technical and cyclical analysis within a predominately long‑term buy‑and‑hold framework while permitting short‑term trading when appropriate, and it may use third‑party model managers and platform tools to implement portfolios. Retire Agile also discloses use of AI‑assisted tools in its analysis but states all AI outputs are independently reviewed and approved by firm professionals.
Distinctive features noted in the brochure include that the firm is the sponsor and manager of a wrap fee program and recently completed a merger with another advisory practice, with legacy accounts retained under their prior service arrangements to reduce client disruption. The firm also has an affiliated educational business that produces a podcast and a separate membership offering, which the brochure says is offered independently of and optional to its advisory services.
Client services
Expertise
Fee options
Flat fee retirement planning fees up to $20,000 for stand-alone services; annual review fees at 75% of initial flat fee
Account minimum: $17,500 annual advisory fee minimum for new clients Minimum fee: Annual minimum advisory fee of $17,500 for new clients Fee-only: Flat fees up to $20,000 for stand-alone financial planning services; financial planning included for no additional fee with comprehensive advisory services
Main office
See office4960 Miller Trunk Hwy, #600
Hermantown MN 55811
Advisors at this office
1
Offices (4)
Most active in
California · Colorado · Florida · Georgia · Massachusetts · Minnesota · Nebraska · New York · North Carolina · Ohio · Oregon · Texas · Virginia · Washington · Wisconsin
Also doing business as
Agile Retirement Management · Align Financial, LLC · Retire Agile
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
Quick links
Advisors at this firm
Tanya N
CFP®, Series 63, Series 66
Hermantown, MN
Retire Agile
Tanya Nichols is a CFP® professional with 23 years of experience in the financial services industry. She is currently with Retire Agile, operating under Align Financial, and has previously worked at Raymond James Financial Services Advisors Inc. and Ascential Wealth Advisors. Outside of her advisory role, she owns Limitless Adviser Coaching, where she consults for other financial advisors. Retire Agile provides comprehensive financial planning and discretionary investment management to individual and high-net-worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis within a primarily long-term buy-and-hold strategy, incorporates AI-assisted tools reviewed by professionals, and offers additional educational resources alongside its advisory services.
Troy K
CFP®, Series 66
Palm Beach Gardens, FL
Retire Agile
Troy Katterheinrich is a financial advisor at Retire Agile with six years of industry experience. He holds the CFP® designation and Series 66 license. His prior roles include positions at Agile Retirement Management, Merit Financial Group, and LPL Financial. Outside of advising, he is a commissioned notary in the state of Florida. Retire Agile provides comprehensive financial planning and discretionary investment management to individual and high-net-worth clients. The firm employs a combination of fundamental, technical, and cyclical analysis within a primarily long-term buy-and-hold approach, incorporating AI-assisted tools that are reviewed by professionals.
Roger W
CFP®, Series 63, Series 65
Mansfield, TX
Retire Agile
Roger Whitney is a CFP® with 35 years of industry experience, currently serving at Align Financial, LLC, operating as Retire Agile. His prior roles include six years at Strategic Financial Concepts and five years at Fwpam. Whitney is also the owner of RP Whitney LLC, which produces educational content under the Retirement Answer Man® and Rock Retirement Club brands. Align Financial provides comprehensive financial planning and discretionary investment management to individual and high-net-worth clients. The firm employs a mix of fundamental, technical, and cyclical analysis within a primarily long-term buy-and-hold framework, incorporating AI-assisted tools reviewed by professionals and offering services including portfolio management and standalone financial plans.
Scott S
Series 65
Mercer, WI
Retire Agile
Scott Sanborn is a financial advisor with Retire Agile and holds a Series 65 designation. He has four years of industry experience, including roles at Strategic Financial Concepts and Lone Star Analysis, as well as a 30-year career in the United States Military. He is based in Mercer, Wisconsin. Retire Agile, operating in some markets under Align Financial, provides comprehensive financial planning and discretionary investment management to individual and high-net-worth clients. The firm employs a blend of fundamental, technical, and cyclical analysis within a primarily long-term buy-and-hold strategy, incorporating AI-assisted tools reviewed by professionals, and offers additional educational resources through a podcast and membership program.
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