C.R. Retirement Strategies, LLC

C.R. Retirement Strategies is a small, Indiana‑registered independent adviser that provides investment advisory services, portfolio management, retirement planning and financial planning to individuals, trusts and estates, with an emphasis on high‑net‑worth clients; the firm reports managing about $1.8 million across roughly nine client relationships. It offers both discretionary and non‑discretionary portfolio management as well as standalone financial planning engagements.

The firm’s investment process combines fundamental, technical, cyclical and economic analysis and may employ either active or passive management depending on a client’s objectives and risk tolerance; ongoing reviews and delegated trading authority are used to implement recommendations. CRRS uses model outputs as one input but reports that professional judgment guides final allocation and trade decisions, and it pursues both long‑ and short‑term trades alongside strategic asset allocation.

Notable distinctions include an affiliated insurance practice: a principal is a licensed insurance agent who may recommend and sell life insurance and annuities for separate commission compensation, an arrangement disclosed as a potential conflict and identified as taking approximately 32 hours per month during trading hours. The firm is also a very small, solo practitioner operation that does not take custody of client assets and relies on qualified custodians for fee deduction and reporting.