Retirement Lifestyles Advisory Group
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Retirement Lifestyles Advisory Group is a state-registered, single-advisor firm that provides retirement income planning, comprehensive financial planning and ongoing portfolio management for individuals, small business owners, professionals and company retirement plans. The firm typically begins engagements with a one-time planning product called the “RLA X‑Ray” and provides ongoing account supervision and regular plan reviews.
The firm’s investment approach is grounded in Modern Portfolio Theory and a long-term, buy-and-hold philosophy with periodic rebalancing, using diversified vehicles such as ETFs, index funds, separately managed and unified managed accounts and a noted tilt toward small‑cap and value exposures. RLAG does not accept discretionary trading authority for client accounts, so portfolios are managed primarily on a non‑discretionary basis unless a client elects to grant limited trading or disbursement power of attorney.
Distinctive features include the adviser’s continuing role as a licensed insurance agent: the brochure discloses that insurance commissions represent a meaningful portion of the firm’s compensation and that insurance-related work occupies part of the adviser’s workweek, which the firm identifies as a potential conflict of interest. Compared with many independent solo advisers, RLAG manages a substantial amount of client assets on a non‑discretionary basis, requires at least annual in‑person client meetings, and offers a mix of comprehensive planning, hourly consultations and ongoing portfolio management.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Financial planning one-time fee between $0 and $5,000
$0 - $500,000: 1.85% $500,000 - $1,000,000: 1.50% $1,000,000 - $2,000,000: 1.20% $2,000,000 - $3,000,000: 1.00% $3,000,000 - $5,000,000: 0.75% $5,000,000+: Negotiable
Approximately 25% of overall compensation comes from commissions on insurance products; commissions paid directly by insurance companies and not deducted from client accounts.
$250 per hour billed in 30-minute increments
Account minimum: $250,000 recommended but not required
Main office
2520 Goodwater Ave Ste B
Redding CA 96002
Advisors at this office
1
Most active in
California
Also doing business as
Mcnally Patrick Daniel · Mcnally Wealth Management · Retirement Lifestyles Advisors · Retirement Lifestyles Advisors, LLC · Retirement Lifestyles Advisory Group
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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