Retirement Money Management is an independent wealth counseling and investment advisory firm based in Sarasota, Florida, operating as Retirement Money Management. The firm offers three main service combinations: lifestyle counseling with investment management, standalone lifestyle counseling and financial planning, and standalone investment management. Services cover goal-based financial planning, asset allocation, cash flow management, retirement planning, tax planning strategies, and insurance analysis. Investment portfolios are managed on a non-discretionary basis, meaning clients must approve all trades before execution, using securities such as mutual funds, exchange-traded funds, individual equities, and fixed income products custodied at Pershing LLC. The firm emphasizes long-term strategies tailored to individual risk tolerance and circumstances, serving individuals, high-net-worth clients, corporate pension plans, and corporations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 2.00% |
| $500K - $750K | 1.95% |
| $750K - $1.0M | 1.75% |
| $1.0M - $2.0M | 1.45% |
| $2M+ | 1.05% |
Fees are negotiable based on asset size, net worth, and complexity. New clients may also incur an initial consulting fee from 0% to 1.5% of assets.