Retirement Investment Advisors Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment advisory and financial planning services to individuals, high‑net‑worth clients, and business entities, primarily by recommending and referring clients to registered third‑party money managers. It also offers educational seminars and workshops for the public and assists clients with financial planning topics such as estate plans, taxes, retirement income and Social Security.
Rather than directly managing client portfolios, the firm acts as a liaison to third‑party managers (including Gradient Investments and Horter Investment Management) and monitors those managers’ performance, delivering TPM disclosures and helping clients complete TPM paperwork. The brochure discloses that the firm receives referral fees and an ongoing portion of advisory fees from TPMs and describes incentive arrangements and fee schedules used by those managers.
Notable features that distinguish the firm from many single‑advisor independents include its reliance on TPM referrals instead of direct portfolio management, the principal’s significant outside insurance practice and associated commissions, and the firm’s provision of public seminars. The brochure also discloses a historical disciplinary matter in the supervised‑person supplement and describes the firm’s conflicts and mitigation steps related to fee‑sharing and external compensation.
Client services
Expertise
Fee options
All Assets+: Custom Indexing - Strategic Portfolio: 2.15% annually total fee (RIA portion 1.15%, GI fee 1.00%) All Assets+: Strategic Portfolio: 2.00% annually total fee (RIA portion 1.00%, GI fee 1.00%) All Assets+: Custom Indexing - Allocation Allocation: 1.85% annually total fee (RIA portion 0.85%, GI fee 1.00%) All Assets+: Allocation & Defined Outcome Portfolio: 1.70% annually total fee (RIA portion 0.70%, GI fee 1.00%) All Assets+: Tactical Portfolio: 1.70% annually total fee (RIA portion 0.70%, GI fee 1.00%) All Assets+: Defined Outcome Portfolio: 1.70% annually total fee (RIA portion 0.70%, GI fee 1.00%) All Assets+: Private Wealth Portfolio: 1.50% annually total fee (RIA portion 0.50%, GI fee 1.00%) All Assets+: Preservation Portfolio: 1.00% annually total fee (RIA portion 0.40%, GI fee 0.60%)
RIA principals receive commissions on insurance products sold; Mark Billes receives external compensation from insurance sales.
Minimum fee: $300 quarterly service fee (technology fee) disclosed Fee-only: Orion Portfolio Solutions fee up to 1.50% annually (administration fees 0.10%-0.35%, strategist fee 0.35%, account maintenance $75 annually for households under $100,000)
Main office
4740 Green River Road, Suite 201
Corona CA 92878
Advisors at this office
1
Most active in
Arizona · California · Michigan · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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