Retirement Money Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$41,605,216
Clients
87
11% high-net-worth
Advisors
1
of 1 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
87
Very HighAverage account size
$478,221
About
Retirement Money Management provides lifestyle counseling, goal‑based financial planning, and nondiscretionary portfolio management for individual and institutional clients, including corporate pension and profit‑sharing plans. The firm also offers modular planning services, consulting engagements for other advisers, and insurance‑related advice, including referrals and the potential use of life settlements.
The firm manages client accounts on a primarily nondiscretionary basis, obtaining client approval for trade execution and using Pershing LLC for custody and order execution. Its investment process blends a global macroeconomic asset‑allocation framework with fundamental and technical analysis and input from an investment committee that includes non‑affiliated professionals.
Distinctive features include registered‑representative relationships that allow advisors to effect commissionable brokerage transactions and an affiliation with an insurance agency, which can result in advisors receiving both advisory fees and commissions. The firm reports that nearly all of its assets are managed nondiscretionarily and it sponsors public educational seminars—both of which are relatively uncommon among independent peers and may affect how clients interact with and are billed by the firm.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
General retirement planning
Income planning
Fee options
Flat fees for comprehensive financial planning starting at $750, may be higher depending on complexity; also initial consulting fee negotiated between 0% to 1.5% of assets advised.
$0 - $499,999: 2.00% $500,000 - $749,999: 1.95% $750,000 - $999,999: 1.75% $1,000,000 - $1,999,999: 1.45% $2,000,000+: 1.05%
Yes, through associated registered representatives at Cetera Advisor Networks LLC; commissions charged separately to clients who choose to transact securities.
Hourly rates range from $200 to $500 per hour
Account minimum: $25,000 Fee-only: Life-Style Counseling and Advice Only: Tiered fees starting at 0.75% for $50,000 to $2,000,000, then 0.50% for $2,000,001 to $3,000,000, 0.40% for $3,000,001 to $4,000,000, negotiable over $4,000,000
Main office location
Retirement Money Management
5001 Lakewood Ranch Blvd, Suite 105
Sarasota FL 34240, United States
Number of offices
1
Most active in
Retirement Money Management has reported serving >5 clients in these states in the last 12 months.
Florida · Texas
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
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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