Family Retirement LLC

Family Retirement works with individuals, high-net-worth individuals, trusts, estates and small business owners, offering ongoing investment management (primarily discretionary), time-limited financial planning and project-based consulting, and free educational retirement classes. The firm manages accounts at the household level and documents each client’s Investment Policy to align assets with stated goals and risk tolerances.

The adviser primarily relies on technical analysis when developing and selecting investment strategies and implements portfolios using mutual funds, ETFs, REITs, ADRs and publicly traded equities, and may recommend fixed insurance products where appropriate. The firm explicitly excludes derivatives, futures, private placements and non-U.S. dollar denominated securities from managed portfolios and emphasizes documented asset-allocation and risk considerations.

Noteworthy distinctions include that a supervised person is a licensed insurance agent who receives commissions for insurance sales (creating a disclosed conflict and with licensing limited to a single state, so clients elsewhere are referred to licensed professionals), the firm offers seminars and workshops at no charge, and the firm has a formal referral and fee‑sharing arrangement with a related advisory entity in which it holds an ownership interest and that receives a portion of advisory fees for referred clients; these relationships and potential conflicts are disclosed and addressed in the brochure.