The Retirement Optimization Group (TROG) connects clients with third-party money managers for investment management. TROG also offers financial consulting to help clients create financial strategies. Additionally, TROG provides estate planning support services, assisting clients with organizing information and navigating estate planning software. TROG does not manage client assets directly.
Fee Structure
TROG refers clients to third-party money managers, such as Gradient Investments, LLC (GI). GI offers various portfolios with fees based on a percentage of assets managed. For Strategic, Tactical, Allocation & Defined Outcome Portfolios, the annual fee is 1.60% (GI charges 1.00% and TROG receives 0.60%). For Preservation Portfolios, the annual fee is 1.00% (GI charges 0.60% and TROG receives 0.40%). For Client Directed Accounts, GI charges a flat fee of $300 per year. These fees are negotiable and assessed quarterly in arrears. A $15 quarterly service fee is also charged.