Ultimate Retirement Products, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$48,816,850
This total excludes 4 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
47
64% 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
47
HighAverage account size
$1,038,656
About
Ultimate Retirement Products, Inc. provides discretionary investment management to individual investors and to retirement plan sponsors, including 401(k)s, 403(b)s, pension and profit‑sharing plans, and also manages investment options within annuity and life insurance products. The firm manages about $58 million across a compact client base of under 50 relationships and uses custodian reporting and periodic performance statements for oversight.
The firm builds portfolios around client goals, time horizons and risk tolerance, generally with full discretionary trading authority and the option to engage third‑party sub‑advisors to implement model strategies; annuity and life‑product accounts are monitored on an ongoing basis. For employer-sponsored plans URP offers both limited 3(21) advisory support and full 3(38) investment manager services, including assistance with investment policy statements, monitoring of plan options, and participant education as agreed with plan sponsors.
Notable differences from many independent peers include the firm’s ties to broker‑dealer and insurance activities: the firm is licensed to sell insurance and the principal conducts registered representative and insurance agent business, and the adviser discloses receiving external compensation for sales of securities and insurance. It is also uncommon among similar firms to both serve pension/profit‑sharing clients and to maintain an affiliated financial analysis service that may be recommended to clients, and these relationships are disclosed as potential conflicts and managed through policies and client disclosures.
Client services
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Retirement plans for business owners (SEP, solo 401k)
Income planning
Wealth management
Occupation focus
Founder/Business Owner
Fee options
Flat fee range $100 - $100,000 for ERISA plan services based on complexity.
$0+: up to 2% annually (negotiable) $0+: up to 0.75% annually for annuity and life management (negotiable) $0+: up to 1.88% annually for ERISA plan services (negotiable) $0+: flat fee range $100 - $100,000 for ERISA plan services (based on complexity, negotiable)
Certain principals receive commissions as registered representatives and insurance agents (external compensation), not charged as advisory fees.
Account minimum: $20,000 Fee-only: Annual advisory fees based on assets under management or flat fee; no commissions charged by URP for advisory services.
Main office location
Ultimate Retirement Products, Inc.
Williamsburg VA, United States
Number of offices
1
Most active in
Ultimate Retirement Products, Inc. has reported serving >5 clients in these states in the last 12 months.
California · Florida · New York · Virginia
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
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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