Retirement Lifestyles Advisory Group is a registered investment advisor founded by Patrick McNally in Redding, California. The firm specializes in customized retirement income planning and portfolio management for individuals, small business owners, and professionals. Retirement Lifestyles Advisory Group uses Modern Portfolio Theory and a long-term buy-and-hold strategy, emphasizing broad diversification, tax efficiency, and low-cost investment vehicles like index funds and exchange-traded funds. Portfolios typically overweight small-cap and value stocks to maximize risk-adjusted returns. In addition to investment management, the firm offers comprehensive financial planning, hourly consultations, and insurance products through related business activities. The firm works with a limited number of clients and partners with custodians such as Charles Schwab, Altruist, and Betterment Institutional.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.85% |
| $500K - $1.0M | 1.50% |
| $1.0M - $2.0M | 1.20% |
| $2.0M - $3.0M | 1.00% |
| $3.0M - $5.0M | 0.75% |
| $5M+ | 0.75% |
Fees for assets over $5,000,000 are negotiable. Betterment platform accounts feature a separate schedule ranging from 0.70% to 1.00% plus underlying Betterment fees.