Retirement Wealth Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Retirement Wealth Management, LLC is a small, supported advisory firm managing about $60.7 million for roughly 86 clients, primarily individuals, high-net-worth clients, trusts, estates and small businesses. The firm provides discretionary wealth management, financial planning and access to independent managers and insurance consulting as part of its services.
The firm generally follows a long-term, fundamentally driven investment approach and constructs portfolios using ETFs, mutual funds, individual stocks and bonds, closed-end funds, alternative investments and covered option strategies. RWM also implements derivatives and hedging strategies within separately managed accounts and may use cash positions tactically, while performing ongoing due diligence and periodic rebalancing.
What is distinctive about RWM is its affiliation with an accounting and tax-preparation entity that provides tax and accounting services to clients (the brochure notes principals may devote substantial time to those services), and its use of third-party insurance consulting through a platform provider. The firm’s disclosure also records a prior FINRA arbitration settlement in 2013 of over $1 million involving a principal, which is included in the brochure’s disciplinary section.
Client services
Expertise
Fee options
$0+: 0.50% annually +: 2.00% annually
Main office
80 East Passaic Avenue
Nutley NJ 07110
Advisors at this office
2
Most active in
New Jersey · New York · Texas
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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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
Advisors at this firm
Richard P
Series 65, Series 66
Nutley, NJ
Retirement Wealth Management, LLC
Richard Polo Jr. is a financial advisor with Retirement Wealth Management, LLC, holding Series 65 and Series 66 designations and bringing 12 years of industry experience. He has worked at Merrill and Cetera before becoming a self-employed consultant and later joining Retirement Wealth Management and Polo Financial Consulting & Tax Services, where he also manages an accounting and tax practice. Retirement Wealth Management, LLC is a small, supported advisory firm serving primarily individuals, high-net-worth clients, trusts, estates, and small businesses. The firm employs a long-term, fundamentally driven investment approach, utilizing a range of investment vehicles including ETFs, mutual funds, stocks, bonds, and alternative strategies, and is notable for its affiliation with an accounting and tax-preparation entity and use of third-party insurance consulting.
Richard P
PFS™, Series 63
Nutley, NJ
Retirement Wealth Management, LLC
Richard Polo Sr. is a financial advisor with Retirement Wealth Management, LLC, holding the PFS™ and Series 63 designations and bringing 27 years of industry experience. He has worked at Cetera and Cetera Financial Specialists LLC from 2005 to 2020 and has maintained a separate public accounting and tax consulting practice, Polo Financial, since 2000. Polo Financial provides personal and corporate tax return preparation and consulting services. Retirement Wealth Management, LLC manages approximately $60.7 million for individuals, high-net-worth clients, trusts, estates, and small businesses. The firm employs a long-term, fundamentally driven investment approach, utilizing a range of investment vehicles and strategies, and offers discretionary wealth management, financial planning, and insurance consulting.
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