Retirement Investment Advisors, Inc. is a registered investment advisor founded in 1991 to help clients achieve financial stability and independence. Operating as a fee-only firm, Retirement Investment Advisors provides personalized investment management and financial planning services, including retirement planning, tax strategies, estate planning, Social Security analysis, education funding, and cash flow management. The firm acts in a legally required best-interest capacity for all clients at all times. Retirement Investment Advisors emphasizes a collaborative approach, typically meeting with prospective clients multiple times before establishing an Investment Policy Statement. Investment portfolios are primarily built using no-load mutual funds and exchange-traded funds, tailored to each client's specific risk tolerance, time horizon, and goals. The firm is owned by NFP, an Aon company, and manages over $1.4 billion in assets for clients across the country.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.25% |
| $1.0M - $2.0M | 1.00% |
| $2.0M - $3.0M | 0.95% |
| $3.0M - $4.0M | 0.90% |
| $4.0M - $5.0M | 0.85% |
| $5.0M - $7.0M | 0.80% |
| $7.0M - $9.0M | 0.75% |
| $9.0M - $11.0M | 0.70% |
| $11.0M - $13.0M | 0.65% |
| $13.0M - $16.0M | 0.60% |
| $16M+ | 0.57% |
Subject to a minimum annual fee of $1,500. Fees may be negotiated or waived based on specific client circumstances.
