Retirement Planning Solutions, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$465,900,378
Clients
1,210
Advisors
4
of 10 employees
About
Retirement Planning Solutions, LLC advises individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans and maintains a dedicated division, RPS Sports Private Wealth, to serve amateur and professional athletes. Services described in the brochure include discretionary investment management, comprehensive financial planning and consulting, retirement account advice (including ERISA/IRA guidance), and assistance with held-away retirement accounts through a third-party platform.
The firm’s investment approach is primarily long-term focused but employs fundamental, technical and charting analysis and may engage in shorter-term trades, option strategies (including covered and spread strategies), and the use of external money managers when appropriate. RPS also uses third-party pricing and an order management system to implement tax-efficient asset location and opportunistic rebalancing for held-away defined contribution and similar accounts.
Several operational features distinguish RPS from many peers: it sponsors a wrap-fee program for legacy accounts (no new wrap accounts are being opened) and discloses that multiple advisory personnel also act as licensed insurance professionals and as registered representatives of broker-dealers (earning separate commissions). The brochure also notes the firm’s use of outsourced specialists for tax preparation and estate-planning support (paid by the advisor) and its explicit procedures for managing held-away assets via a platform that avoids custodial access.
Client services
Expertise
Occupation focus
Fee options
Fixed fees ranging from $500 to $10,000 for financial planning engagements; ongoing fixed fees $1,200 to $4,800 annually billed monthly.
Negotiable up to 2.50% annually
Certain advisory persons receive separate commission-based compensation through affiliated broker-dealers and insurance sales.
Up to $300 per hour for financial planning services.
Ongoing financial planning support fees billed monthly as part of annual fixed fee ($1,200 to $4,800 annually).
Fee-only: Financial planning fees: hourly up to $300/hour; fixed fees from $500 to $10,000; ongoing planning support annual fixed fee $1,200 to $4,800, billed monthly.
Main office
3432 Stony Spring Circle
Louisville KY 40220
Advisors at this office
4
Most active in
Colorado · Florida · Georgia · Illinois · Indiana · Kentucky · Louisiana · Maryland · New Hampshire · North Carolina · Ohio · Oregon · Pennsylvania · South Carolina · Tennessee · Texas
Also doing business as
Clover Wealth Partners · Retirement Planning Solutions · Retirement Planning Solutions, LLC · Rps Advisory Solutions, LLC
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.
Quick links
Advisors at this firm
Peter G
Series 63, Series 65
Louisville, KY
Retirement Planning Solutions, LLC
Peter Gaughan is a financial advisor at Retirement Planning Solutions, LLC in Louisville, KY, holding Series 63 and 65 licenses with 43 years of industry experience. He previously worked at Raymond James and Silver Oak Securities. Outside of his advisory role, he is the owner and president of Peter J. Gaughan LLC, a separate business focused on managing administrative and budgeting tasks. Retirement Planning Solutions, LLC serves individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, including a dedicated division for amateur and professional athletes. The firm offers discretionary investment management, financial planning, and retirement advice, employing a primarily long-term investment approach that includes fundamental and technical analysis, option strategies, and tax-efficient asset management.
Noah E
CFP®, Series 63, Series 65
Louisville, KY
Retirement Planning Solutions, LLC
Noah Ellison is a CFP® with four years of industry experience, currently serving at Retirement Planning Solutions, LLC in Louisville, KY. He has worked at Silver Oak Securities, Inc. since 2023 and has a background that includes roles at Indiana State University and Purdue University. Retirement Planning Solutions, LLC provides financial advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, including a dedicated division for amateur and professional athletes. The firm focuses on long-term investment strategies while utilizing fundamental and technical analysis, option strategies, and third-party managers, and it offers services such as discretionary investment management, comprehensive financial planning, and ERISA/IRA guidance.
Michael E
Series 63, Series 65
Louisville, KY
Retirement Planning Solutions, LLC
Michael Ellison is a financial advisor with Retirement Planning Solutions, LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at First Allied Advisory Services, First Allied Securities, and Magnate Advisory Services. Outside of advising, he is involved in real estate as an owner, broker, and developer through MJE Enterprises LLC. Retirement Planning Solutions, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm offers discretionary portfolio management and financial planning with a fiduciary approach, constructing customized portfolios that combine fundamental, technical, and charting analyses.
Lawrence C
Series 63, Series 65
Louisville, KY
Retirement Planning Solutions, LLC
Lawrence Carter is a financial advisor at Retirement Planning Solutions, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Purshe Kaplan Sterling Investments and Wells Fargo Advisors. Outside of his advisory role, he serves as an advisor to the board of a local condo association and provides notary services to personal clients. Retirement Planning Solutions, LLC offers wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm constructs customized portfolios using a combination of fundamental, technical, and charting analysis, and provides ongoing investment monitoring and review.
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