Retire Lab offers personalized investment management, retirement planning, and financial planning services to individuals, high-net-worth clients, trusts, estates, and businesses. Operating under the trade name Teachers Financial Group in Texas, Retire Lab focuses heavily on helping teachers, public employees, and retirees navigate pensions, annuities, and overall retirement decisions. The firm constructs tailored portfolios using mutual funds, exchange-traded funds, individual equities, bonds, and occasionally covered call options. As legally required to act in your best interest, Retire Lab provides comprehensive financial planning at no extra cost to clients who engage the firm for ongoing investment management. For clients who only want financial planning without portfolio management, Retire Lab offers project-based planning for a fixed fee. The firm also provides retirement plan consulting services for employer-sponsored retirement plans. Principal Jose Perales is also a licensed insurance agent through an affiliated agency, offering insurance products separately.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.75% |
| $1M+ | 1.50% |
Rates shown are maximum annual fees and apply as a single rate to the entire account balance. Portfolios with an options-based strategy may be charged a flat annual fee of up to 2.25%. Fees are negotiable.