Retirement Income Planning llc

Retirement Income Planning LLC provides investment advisory and financial planning services to individuals, high‑net‑worth clients, trusts and estates, offering portfolio management through model-based strategies and standalone written financial plans. The firm generally serves clients by coordinating with a third‑party portfolio manager while also delivering fixed‑fee planning engagements.

When working with clients the firm assists in selecting from model portfolios (for example strategic, tactical, custom indexing, defined outcome and preservation models) and retains discretionary authority to select and maintain those models while the third‑party manager implements underlying trades. Account reviews are performed at least quarterly and clients may impose written restrictions on investments; financial plans are typically completed and delivered within a stated 20‑day window once documentation is provided.

Noteworthy aspects relative to peers are that the firm operates as a single‑owner advisory practice with a relatively high client load for one advisory professional (167 clients) and maintains dual roles that include licensed insurance activity and a co‑advisor revenue relationship with its third‑party manager, including an incentive participation arrangement. Those insurance sales and TPM fee‑sharing arrangements are disclosed in the brochure and identified as potential conflicts of interest that the firm seeks to mitigate through disclosures, fiduciary procedures and client consents.