Retirement Capital Services LLC

Retirement Capital Services LLC serves individuals and high‑net‑worth clients, including retirement plan and IRA accounts, by offering ongoing portfolio management and standalone financial planning. The firm documents each client’s objectives and constraints in an Investment Policy Statement and will select third‑party managers or funds when appropriate.

The firm’s investment process draws on charting, fundamental, quantitative and technical analysis as well as modern portfolio theory, and it employs both long‑ and short‑term trading techniques. Strategies available to clients include options and short sales along with allocations to alternative vehicles such as private equity, hedge funds, REITs, commodities and precious‑metal ETFs, and accounts are generally managed on a discretionary basis with quarterly custodian reporting.

Noteworthy aspects include the combination of a small, solo‑advisor structure with a relatively broad and higher‑risk investment menu that many peers of this size do not typically offer, and the firm’s explicit practice of directing clients to custody assets at a specific broker‑dealer (Charles Schwab Advisor Services). The brochure also discloses that a firm principal is a licensed insurance agent and has affiliations with another advisory firm; the firm notes these relationships and describes procedures to address the resulting conflicts of interest.