Hermantown, MN Office

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.