Retirement & Investment Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$4,810,200
Clients
24
Advisors
1
of 2 employees
About
The firm provides non-discretionary direct asset management and retirement-plan advisory services to individuals, trusts, and employer-sponsored plans. It also offers limited-scope ERISA 3(21) fiduciary services for qualified retirement plans, including investment policy development, investment option monitoring, and participant education.
The firm operates primarily on a non-discretionary basis, making investment recommendations and obtaining client approval before executing trades, and commonly places client assets on third‑party platforms and manager programs (for example, Orion Portfolio Solutions, GeoWealth, and other TPMs) where it serves as co-adviser or liaison. It uses a mix of fundamental, technical, charting and cyclical analysis, conducts periodic account reviews and rebalancing, and discloses that it receives referral fees and may share in third‑party manager fees and incentive arrangements.
Notable distinctions from many peers include an affiliated insurance business run by the firm’s principal — disclosed as an outside activity that may generate commission compensation — and a business model in which virtually all reported assets are managed on a non‑discretionary basis while the firm provides pension consulting services. As of March 31, 2026 the firm reported approximately $4.9 million in non‑discretionary assets under management across 24 clients.
Client services
Expertise
Occupation focus
Fee options
ERISA Plan services may be charged as a flat fee (amount not specified)
$0 - $100,000: 1.50% annual RI Planning fee plus OPS fees (0.08% - 0.45% administration fees, $25 or $50 annual account maintenance, 0.0% to 0.55% strategist fees) and additional fixed fees ($75 paper statements or $25 electronic per sleeve if receiving paper statements for households below $100K) $0 - $250,000: 0.79% GeoWealth UMA Models total fee (includes RI Planning fee portion up to 1.50%) $250,001 - $500,000: 0.73% GeoWealth UMA Models total fee $500,001 - $2,000,000: 0.66% GeoWealth UMA Models total fee $2,000,001 - $5,000,000: 0.48% GeoWealth UMA Models total fee $5,000,001+: Negotiable GeoWealth fee $0 - $250,000: 0.38% GeoWealth Fund Models total fee (includes RI Planning fee portion up to 1.50%) $250,001 - $500,000: 0.36% GeoWealth Fund Models total fee $500,001 - $2,000,000: 0.34% GeoWealth Fund Models total fee $2,000,001 - $5,000,000: 0.32% GeoWealth Fund Models total fee $5,000,001+: Negotiable GeoWealth fee $0+: ERISA Plan services maximum 1%, negotiable, may be charged as a percentage or flat fee, billed quarterly or monthly
Fee-only: RI Planning advisory fees based on percentage of assets under management or flat fee for ERISA plans; fees are negotiable; no commissions received for securities sales
Main office
616 Petoskey St., Suite 208
Petoskey MI 49770
Advisors at this office
1
Most active in
Michigan
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:
-
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
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")