Retirement Planning and Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$41,668,446
Clients
61
Advisors
1
of 1 employees
About
Retirement Planning and Management, Inc. provides investment advisory services and third‑party retirement plan administration to individuals, trusts, businesses, estates, and retirement plans, and also offers consulting on life insurance products. The firm serves both individual investors and pension/profit‑sharing plan clients.
Services are delivered on a non‑discretionary basis — the brochure reports $0 discretionary and approximately $83,547,481 in non‑discretionary assets under management as of December 31, 2025 — and investment recommendations are communicated to clients prior to any transactions. The firm’s process relies on fundamental analysis and favors diversified, long‑term strategies using mutual funds, ETFs, fixed‑income investments and occasional individual securities, with Charles Schwab suggested as the custodial platform.
The principal is a licensed CPA who operates a separate consulting business that captures ongoing service commissions on previously sold insurance products and assists with retirement plan tax forms and trust balancing, and the firm also provides pension consulting and plan administration services. The combination of substantial non‑discretionary pension assets, pension consulting/third‑party plan administration, and the principal’s accounting and insurance consulting activities is atypical for a solo independent advisory firm.
Client services
Expertise
Fee options
Fixed fees for financial plans ranging from $250 to $5,000; fixed fees up to 3% of assets for non-ongoing investment advice, minimum $300
$0 - $375,000: 1.00% (pension clients), 1.50% (individual clients) $375,001 - $750,000: 0.80% (pension clients), 1.20% (individual clients) $750,001 - $1,500,000: 0.60% (pension clients), 0.90% (individual clients) $1,500,001 - $3,000,000: 0.45% (pension clients), 0.60% (individual clients) $3,000,001+: 0.35% (pension clients), 0.40% (individual clients)
Up to $250 per hour, depending on complexity
Minimum fee: $500 minimum annual fee for pension plans; $300 minimum annual fee for individual clients Fee-only: Fixed fees ranging from $250 to $5,000 for financial plans; hourly fees up to $250 per hour; fixed fees up to 3% of assets for limited investment advice with minimum $300
Main office
Lakeville MN
Advisors at this office
1
Most active in
Minnesota
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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:
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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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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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