Retirement Planning Consultants Inc

The firm provides investment management and financial planning for individuals and their retirement accounts, including IRAs, other tax‑deferred accounts, 401(k) plans, corporate accounts and 529 college‑savings plans. In addition to managed portfolios, the firm offers life insurance and annuity products and facilitates mutual fund investments for 529 accounts.

The firm develops diversified asset allocations based on clients’ time horizons and risk tolerance, combining equities and fixed income with a heavy use of exchange‑traded funds and both fundamental and technical analysis. Most client accounts are managed on a discretionary basis through third‑party custodians (commonly Schwab), and the adviser does not use margin or direct options trading.

Distinctive features include the adviser’s licensed CPA background and an affiliated tax and consulting practice, and the firm’s continued sale of insurance and annuity products for which it may receive commissions or trailing compensation — a practice the brochure discloses as a potential conflict and for which clients may elect other purchase routes. The firm also works with corporate accounts and 529/401(k) plans and reports that client referrals are its sole source of new business; the principal splits time between advisory work and a seasonal tax practice.