Retirement Wealth Advisors, LLC

Retirement Wealth Advisors is a fee-only registered investment adviser that offers financial planning and discretionary portfolio management, pension and retirement plan consulting, and educational workshops. The brochure notes a typical account minimum of $500,000 (waivable) and availability of hourly consultation services, and it reports $0 in discretionary assets and a single client as of January 8, 2024.

The firm describes an active, risk-managed investment approach focused on upside potential and current income, using low-cost, highly researched ETFs, no-load and institutional mutual funds, stocks and bonds, and model portfolios, with occasional short-term trading when deemed suitable. Accounts are generally managed on a discretionary basis with ongoing monitoring and rebalancing, and the firm states tax efficiency is not a primary objective unless agreed otherwise in writing.

Distinctive features in the brochure include a small operational footprint in practice—multiple office locations and several advisors on record but reporting zero discretionary AUM and only one client—which contrasts with peers that more commonly serve wider individual and high-net-worth client bases. The firm also highlights plan-level consulting and participant education, the use of no‑load/low‑cost annuity replacements in limited circumstances, and adherence to a NAPFA-style fiduciary code, suggesting a focus on pension/plan work and fee-only fiduciary practices.