Retirement Plans, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Retirement Plans, LLC serves individual investors and small businesses with retirement-focused financial planning and ongoing investment management. The firm provides retirement income planning, portfolio management using stocks, bonds, ETFs and covered option strategies, and offers advice on cash-flow needs and longevity planning.
The firm emphasizes a risk-controlled asset-allocation approach that prioritizes diversification and the use of ETFs as low-cost proxies for asset classes, and it considers market cycles and valuations when recommending timing. It generally operates on a non-discretionary basis—requiring client consent for trades—and may use third-party money managers under client-directed arrangements.
Compared with many peers, the firm documents its client materials in an up-to-date Form ADV brochure and supplement and describes ongoing client education and review processes, reflecting a focus on written communications and instructional support. It also discloses occasional, client-approved use of fixed annuities or non-variable insurance for risk reduction and the potential for related insurance compensation, an arrangement that is uncommon among independent, fee-only solo advisers.
Client services
Expertise
Fee options
1.20% annually (0.10% per month)
Hourly rate $120 per hour, paid in advance for agreed upon hours
Account minimum: $100,000 Fee-only: Fee based on percentage of assets under management; no commissions or sales charges
Main office
Auburn AL
Advisors at this office
1
Most active in
Alabama
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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