Retirement Wealth Management, LLC

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Client assets under management

$60,680,959

Clients

34% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Typical

Average account size

$705,593

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

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Active portfolio management Private / alternative investments Tax-loss harvesting

Fee options

Percentage

$0+: 0.50% annually +: 2.00% annually

Main office location

Retirement Wealth Management, LLC

80 East Passaic Avenue

Nutley NJ 07110, United States

Number of offices

Most active in

New Jersey · New York · Texas

Disclosures

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:

Insurance agent

They sell insurance products and may earn commissions on those sales.

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.

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

Form ADV Part 2: Client Brochure

Quick links

Website (973) 661-1988

Advisors at this firm

Richard P

Series 65, Series 66

Nutley, NJ

Retirement Wealth Management, LLC

Richard Polo is a financial advisor with Retirement Wealth Management, LLC in Nutley, NJ, holding Series 65 and Series 66 licenses and having 11 years of industry experience. He has worked at Cetera Investment Advisers LLC and CETERA Financial Specialists LLC, and has been a self-employed consultant. Polo also manages an accounting and tax consulting practice, Polo Financial Consulting & Tax Services, LLC. Retirement Wealth Management, LLC is a small, supported registered investment adviser serving individuals, trusts, estates, and small businesses. The firm employs a fundamental, long-term investment approach using a variety of securities and occasionally derivatives, providing discretionary portfolio management and financial planning services.

Wealth management Active portfolio management Private / alternative investments Tax-loss harvesting

Richard P

PFS™, Series 63

Nutley, NJ

Retirement Wealth Management, LLC

Richard Polo is a financial advisor at Retirement Wealth Management, LLC with 26 years of industry experience. He holds the PFS™ and Series 63 designations. Prior to joining Retirement Wealth Management in 2020, he worked for Cetera Investment Advisers LLC and Cetera Financial Specialists LLC from 2005 to 2020. Outside of his advisory role, he owns and operates Polo Financial, a tax and accounting consulting practice. Retirement Wealth Management, LLC is a small, supported registered investment adviser serving individuals, trusts, estates, and small businesses. The firm employs a fundamental, long-term investment approach using a range of securities and occasionally derivatives, with discretionary portfolio management and financial planning services.

Wealth management Active portfolio management Private / alternative investments Tax-loss harvesting

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