Retirement Planners of America provides discretionary portfolio management and financial planning services primarily focused on retirement readiness. Retirement Planners of America uses a tactical investment strategy known as the Invest and Protect Strategy, which involves shifting client funds between exchange-traded funds and cash equivalents based on market trend analysis, aiming to preserve capital during market downturns. The firm offers standard portfolio management services as well as specialized programs such as Retirement Planners of America Direct for smaller accounts and manages certain held-away retirement accounts through third-party platforms. In addition to investment management, Retirement Planners of America incorporates financial planning discussions into client reviews and maintains affiliates that offer insurance products and tax preparation coordination. The firm serves individuals, high-net-worth clients, and retirement plans.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.30% |
Standard fee is 1.30% annually, while legacy clients may pay 1.25%. Accounts with $250,000 or less custodied at Pershing in the Retirement Planners of America Direct program pay 1.85%. Variable annuities, certain 401(k) accounts, and held-away accounts are charged a flat negotiable fee not to exceed 1.25%.