SP Retirement LLC

SP Retirement is an independent, single-advisor registered investment adviser that serves individual and high‑net‑worth clients with discretionary investment management, comprehensive wealth management, and financial planning services, including retirement-account fiduciary advice under ERISA/IRC where applicable. The firm offers both ongoing portfolio management and stand‑alone financial planning or consulting engagements.

The advisor emphasizes fundamental analysis and a long‑term investment approach, constructing portfolios primarily with low‑cost mutual funds and ETFs while also using individual stocks, bonds, or legacy holdings when appropriate; accounts are monitored and rebalanced as needed to meet client objectives. SP Retirement uses Betterment Advisor Solutions as its primary investment platform, enabling custom portfolios and certain automated features, and offers a wrap‑fee option that bundles custodial, trading, and administrative costs into a single advisory fee.

What distinguishes the firm from many peers is that it sponsors its own wrap‑fee program—a relatively uncommon arrangement for independent firms—and maintains an institutional relationship with Betterment that delivers technology and operational benefits the firm discloses as an economic benefit. The firm is also affiliated with an insurance agency and discloses that advisory personnel may be licensed to sell insurance and earn commissions (the principal devotes roughly 10% of his time to insurance activities), a relationship the brochure identifies as a potential conflict of interest.