Retirement Investment Advisors Inc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$1,440,094,684
Clients
1,399
Advisors
8
of 15 employees
About
Retirement Investment Advisors, Inc. is a fee-only, fiduciary advisory firm that manages roughly $1.49 billion for individuals (including high-net-worth clients), trusts, pension and profit‑sharing plans, and other organizations through a team of eight advisors. The firm offers comprehensive financial planning and investment management services covering retirement planning, tax and estate planning, cash‑flow and distribution analysis, and ongoing portfolio monitoring.
The firm follows a three‑meeting onboarding process that produces a written Investment Policy Statement and implements diversified portfolios that primarily use no‑load mutual funds and ETFs; Modern Portfolio Theory and third‑party research (Morningstar, FI-360, SEI resources) are cited as core inputs. Accounts are typically managed on a discretionary basis, rebalanced periodically, and reviewed at least annually with quarterly performance reporting through custodians such as SEI Private Trust Company.
A distinctive feature is that the firm is owned by NFP, an Aon company, placing it within a larger group that includes other registered advisers, broker‑dealers and insurance affiliates — an ownership structure the brochure discloses and says currently produces no active affiliate relationships but which the firm acknowledges could create potential conflicts. The brochure also discloses a past SEC order related to valuation of pooled funds and describes strengthened valuation and records procedures, and it notes the availability of retainer and hourly planning engagements and the use of standing letters of authorization for certain clients.
Client services
Expertise
Fee options
Annual Retainer Agreement fees fixed in advance based on complexity; billed quarterly (specific amounts not stated)
$0 - $1,000,000: 1.25% $1,000,000 - $2,000,000: 1.00% $2,000,000 - $3,000,000: 0.95% $3,000,000 - $4,000,000: 0.90% $4,000,000 - $5,000,000: 0.85% $5,000,000 - $7,000,000: 0.80% $7,000,000 - $9,000,000: 0.75% $9,000,000 - $11,000,000: 0.70% $11,000,000 - $13,000,000: 0.65% $13,000,000 - $16,000,000: 0.60% $16,000,000 - $20,000,000: 0.57%
$400 to $600 per hour for financial professional services, four-hour minimum
Account minimum: $250,000 Minimum fee: Minimum annual fee of $1,500 Fee-only: Hourly planning services at $400 to $600 per hour, with a four-hour minimum
Main office
2925 United Founders Blvd
Oklahoma City OK 73112
Advisors at this office
8
Most active in
Alabama · Arizona · Arkansas · California · Colorado · Florida · Georgia · Kansas · Michigan · Missouri · Montana · Nevada · North Carolina · Oklahoma · Pennsylvania · Tennessee · Texas · Washington · Wisconsin
Also doing business as
Retirement Investment Advisors Inc · Retirement Investment Advisos Inc
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.
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.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
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.
Quick links
Advisors at this firm
Alexxander P
CFP®, Series 65
Oklahoma City, OK
Retirement Investment Advisors Inc
Alexxander Peralta is a CFP® and holds a Series 65 license, currently serving as a financial advisor at Retirement Investment Advisors Inc with three years of industry experience. His prior work includes roles at Darden Restaurants and Topgolf. Retirement Investment Advisors, Inc. provides fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $1.268 billion in assets and uses a structured planning process guided by Modern Portfolio Theory, acting as a fiduciary on all client accounts.
Carol A
CFP®, Series 63, Series 65
Oklahoma City, OK
Retirement Investment Advisors Inc
Carol Alexander is a CFP® with 23 years of experience in financial advising, currently serving at Retirement Investment Advisors, Inc. in Oklahoma City, where she has worked since 2003. She holds Series 63 and Series 65 licenses. Retirement Investment Advisors, Inc. provides fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $1.268 billion in assets and employs a structured planning process informed by Modern Portfolio Theory, acting as a fiduciary on all client accounts.
Randy T
CFP®, PFS™, Series 63
Oklahoma City, OK
Retirement Investment Advisors Inc
Randy Thurman is a CFP® and PFS™ with 32 years of experience in financial advising. He has been with Retirement Investment Advisors, Inc. since 1997. In addition to his advisory role, he is a 50% owner and CEO of Bowie Thurman & Associates and an author receiving royalties. Retirement Investment Advisors, Inc. is a fee-only firm serving individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm uses a structured planning process and employs Modern Portfolio Theory to guide discretionary investment management, overseeing approximately $1.268 billion in assets.
Andrew F
CFP®, Series 66
Oklahoma City, OK
Retirement Investment Advisors Inc
Andrew Flinton is a CFP® with 17 years of industry experience, currently serving at Retirement Investment Advisors Inc in Oklahoma City, OK. He has been with the firm since 2010. Outside of his advisory role, he is a 50% owner of Bowie, Thurman, & Associates, LLC. Retirement Investment Advisors, Inc. provides fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $1.268 billion in regulatory assets and follows a structured onboarding and planning process, utilizing Modern Portfolio Theory tailored to client-specific Investment Policy Statements.
Chad R
CFP®, Series 63, Series 65
Oklahoma City, OK
Retirement Investment Advisors Inc
Chad Rudy is a CFP® professional with 16 years of industry experience, currently serving at Retirement Investment Advisors, Inc. since 2009. He holds Series 63 and Series 65 licenses and previously worked at Cr Systems Inc from 2002 to 2019. Retirement Investment Advisors, Inc. is a fee-only firm providing financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $1.268 billion in assets and follows a fiduciary standard, using a structured onboarding and planning process guided by Modern Portfolio Theory.
Gabriel W
Series 65
Oklahoma City, OK
Retirement Investment Advisors Inc
Gabriel Wallace is a financial advisor at Retirement Investment Advisors Inc in Oklahoma City, holding a Series 65 credential. He has experience working at FNB Community Bank and Walmart, as well as nine years in full-time education prior to joining his current firm. Retirement Investment Advisors, Inc. provides fee-only financial planning and discretionary investment management to individuals and various institutions, managing over $1.2 billion in assets. The firm follows a structured onboarding and planning process and bases its investment recommendations on Modern Portfolio Theory.
Brenda B
CFP®, Series 65
Oklahoma City, OK
Retirement Investment Advisors Inc
Brenda Bolander is a CFP® and holds a Series 65 license with 13 years of industry experience. She has been with Retirement Investment Advisors, Inc. since 2012. Retirement Investment Advisors, Inc. provides fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses, managing approximately $1.268 billion in regulatory assets. The firm follows a structured onboarding and planning process, using Modern Portfolio Theory to tailor investment recommendations to each client’s Investment Policy Statement.
Joseph B
CFP®, Series 63, Series 65
Oklahoma City, OK
Retirement Investment Advisors Inc
Joseph Bowie is a CFP® with 37 years of industry experience, currently serving at Retirement Investment Advisors Inc. in Oklahoma City, OK. He has been with the firm and its predecessors since 1990. Retirement Investment Advisors, Inc. provides fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $1.268 billion in regulatory assets and follows a fiduciary standard, using a structured onboarding and planning process informed by Modern Portfolio Theory.
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