In the Money Retirement Planning Limited Liability Company
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,062,091
Clients
8
38% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
8
LowAverage account size
$132,761
About
In The Money Retirement Planning LLC is a fee‑only registered investment adviser that provides investment management and comprehensive financial planning to individuals, high‑net‑worth clients, and employer‑sponsored retirement plans. The firm delivers services through written financial plans and discretionary portfolio management and does not impose a formal account minimum for engagements.
The adviser develops personalized investment policies and asset‑allocation targets based on client goals, employing a blend of passive and active strategies and using both fundamental and technical analysis in security selection. It implements strategies using third‑party platforms such as GeoWealth and Betterment, may recommend outside managers when appropriate, and conducts periodic (typically quarterly) reviews to monitor suitability and performance.
Distinctive features include offering educational seminars and speaking engagements to groups and the public, a service that is relatively uncommon among peers of this type and size. The firm also facilitates estate‑document preparation through a third‑party platform (Estate Guru) — covering client access to that service — and provides ERISA‑related advisory services for employer plans, including participant‑level managed account options.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Retirement income strategy
Cash flow / budgeting
Fee options
Project-Based Financial Planning fixed fees range between $1,500 to $15,000; Educational seminars fees range from $0 to $5,000 per seminar.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,000 - $5,000,000: 0.90% $5,000,001+: 0.75%
Hourly rates for Project-Based Financial Planning range from $200 to $500 per hour.
Recurring fixed fee for Financial Planning services paid monthly in arrears, ranging from $99 to $1,000 depending on complexity and client needs.
Fee-only: Financial Planning services monthly fees range from $99 to $1,000; Project-Based Financial Planning fees range from $1,500 to $15,000 fixed or $200 to $500 hourly.
Main office location
In the Money Retirement Planning Limited Liability Company
161 Boston Post Rd., Suite 4 Office 5
Waterford CT 06385, United States
Number of offices
1
Most active in
In the Money Retirement Planning Limited Liability Company has reported serving >5 clients in these states in the last 12 months.
Connecticut
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
LinkedIn
Facebook
X
Instagram
YouTube
Website
860-333-5131
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