The Retirement Optimization Group, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
131
0% 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
131
Very HighAverage account size
$0
About
The Retirement Optimization Group provides financial consulting, estate-planning support, and educational seminars primarily to individual and high-net-worth clients. Rather than directly managing client portfolios, the firm refers clients to third‑party money managers, assists with onboarding and ongoing liaison services, and delivers financial planning reports and tools such as a Generational Vault, Social Security Maximization Report, Color of Money Risk Analysis, Morningstar portfolio analysis, and a Retirement Compass Report.
Investment guidance is implemented through recommended third‑party managers (clients engage those managers under separate contracts), and TROG does not exercise discretionary trading authority over client accounts. The firm discloses that it receives referral fees and an ongoing portion of advisory fees from those managers and that clients are billed under the third‑party manager’s fee schedule rather than by TROG on a percentage‑of‑assets basis.
Distinctive features include an affiliation with insurance activities (the firm’s principal conducts insurance sales through a separate business) and the regular offering of free, educational seminars and workshops for the public. TROG also provides limited‑scope estate planning support using the Estate Guru platform (while not providing legal advice or document drafting) and maintains a formal referral and incentive arrangement with Gradient Investments as one of its primary third‑party managers.
Client services
Financial planning
Selection of other advisers
Educational seminars or workshops
Expertise
Social Security optimization
General estate planning guidance
Retirement income strategy
Cash flow / budgeting
Fee options
$900 for Estate Planning Support Services (non-negotiable)
$0+: 1.75% annually (Custom Indexing - Strategic Portfolio; total annual fee; includes GI fee 0.75% + TROG fee 1.00%) $0+: 1.60% annually (Strategic Portfolio; total annual fee; includes GI fee 0.60% + TROG fee 1.00%) $0+: 1.75% annually (Tactical Portfolio; total annual fee; includes GI fee 0.75% + TROG fee 1.00%) $0+: 1.60% annually (Custom Indexing - Allocation Portfolio; total annual fee; includes GI fee 0.60% + TROG fee 1.00%) $0+: 1.60% annually (Allocation & Defined Outcome Portfolio; total annual fee; includes GI fee 0.60% + TROG fee 1.00%) $0+: 1.50% annually (Private Wealth Portfolio; total annual fee; includes GI fee 0.50% + TROG fee 1.00%) $0+: 1.00% annually (Preservation Portfolio; total annual fee; includes GI fee 0.40% + TROG fee 0.60%) $0+: $300 flat fee (Client Directed Accounts; no TROG fee)
Main office location
The Retirement Optimization Group, LLC
1888 Kalakaua Ave, Suite C312
Honolulu HI 96815, United States
Number of offices
1
Most active in
The Retirement Optimization Group, LLC has reported serving >5 clients in these states in the last 12 months.
Alaska · Arizona · Colorado · Hawaii · Maryland · Texas
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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