Retirement & Investment Planning, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,810,200
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
24
0% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
24
TypicalAverage account size
$200,425
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
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Retirement income strategy
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Tax strategies for small businesses
Occupation focus
Founder/Business Owner
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 location
Retirement & Investment Planning, Inc.
616 Petoskey St., Suite 208
Petoskey MI 49770, United States
Number of offices
1
Most active in
Retirement & Investment Planning, Inc. has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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
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