SP Retirement is a registered investment advisor located in Downingtown, Pennsylvania, founded and operated by Stephen M. Pomanti. The firm offers comprehensive wealth management services tailored to individuals and high net worth individuals. Services include discretionary investment management—primarily utilizing low-cost exchange-traded funds and mutual funds—alongside holistic financial planning covering retirement, tax strategies, estate planning, insurance needs, and education savings. SP Retirement acts as a fiduciary, legally required to put clients' best interests first. The firm operates on a fee-based structure, bundling custodial and transaction costs into its annual management fee through a wrap fee program. Clients' assets are custodied with Altruist Financial LLC.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.75% |
| $1M+ | 0.30% |
Fees are negotiable at the sole discretion of the advisor. Fees take into aggregate assets under management with the firm.