Retirement Solutions
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,749,217
This total excludes 9 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
8
38% 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
8
LowAverage account size
$218,652
About
Retirement and Investment Solutions, LLC is a small independent advisory firm led by a single advisor that serves individual clients and sponsors of retirement and profit‑sharing plans. The firm provides discretionary and non‑discretionary portfolio management, financial planning, and ERISA plan services, including plan design and pension consulting.
The firm tailors portfolios to each client’s goals, time horizon, and risk tolerance and may manage accounts directly or place assets into model portfolios through a co‑advisor relationship with Gradient Investments, LLC. For retirement plan clients it can serve as a limited‑scope 3(21) advisor or as a discretionary 3(38) investment manager, assisting with IPS development, investment monitoring, qualified default investment alternatives, and participant education or group enrollment meetings.
Noteworthy for a solo independent adviser, the firm maintains formal affiliations with a third‑party registered advisor (Gradient Investments) and with an affiliated insurance business, and the managing member devotes a majority of his time to insurance activities and receives insurance commissions and referral or incentive payments. The brochure discloses these fee‑sharing and compensation arrangements and the firm identifies potential conflicts of interest arising from them, along with procedural disclosures and its fiduciary obligations as the primary mitigation.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Educational seminars or workshops
Expertise
Retirement income strategy
Social Security optimization
Business ownership considerations
Retirement plans for business owners (SEP, solo 401k)
Wealth management
Occupation focus
Founder/Business Owner
Retired
Fee options
Fixed fees for financial plans ranging from $500 to $10,000; flat fees for ERISA plans between $500 and $10,000
Advisor representatives receive insurance commissions as licensed insurance agents
Hourly consulting rate of $200/hour
Account minimum: $25,000 Minimum fee: Minimum annual fee of $500 Fee-only: Financial planning fixed fees ranging from $500 to $10,000; hourly rate $200/hour
Main office location
Retirement Solutions
Rio Rancho NM, United States
Number of offices
1
Most active in
Retirement Solutions has reported serving >5 clients in these states in the last 12 months.
Maine · New Mexico
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.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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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