Roman Retirement Planning (RRP) provides ongoing portfolio management and financial planning services tailored to individual client goals and risk tolerance. RRP creates investment plans and may use sub-advisers like Advisor OS or Betterment. Financial planning covers various areas, including investment, cash flow, insurance, tax, retirement, education, debt, estate, charitable giving, divorce, and business succession planning. RRP also offers pension consulting services and educational seminars.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.03% |
| $500K - $1.0M | 0.78% |
| $1.0M - $3.0M | 0.53% |
| $3M+ | 0.28% |
Fee tiers may result in a blended rate and are generally negotiable. Clients also have access to investment strategies offered by third-party investment managers who charge separate portfolio management fees. Betterment charges RRP’s clients an asset-based wrap fee on amounts invested via the Betterment for Advisors platform that is tiered based on the aggregate balance of all of RRP’s client accounts at Betterment (not including funds held in Betterment Everyday Cash Reserve). That wrap fee is 0.20% of account balances. The asset-based wrap fee is charged quarterly in arrears.