R
Retirement Planning and Management, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$41,668,446
This total excludes 12 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
61
49% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
61
Very HighAverage account size
$683,089
About
Retirement Planning and Management, Inc. provides investment advisory services and third‑party retirement plan administration to individuals, trusts, businesses, estates, and employer‑sponsored retirement plans, and offers consulting on life insurance policies. The firm’s advisory scope includes portfolio construction and retirement plan administration but does not include disability, health, long‑term care, or property/casualty insurance recommendations.
The firm relies primarily on fundamental analysis and typically implements diversified portfolios using mutual funds, exchange‑traded funds, fixed‑income instruments and insurance products, and may recommend dollar‑cost averaging or laddered fixed‑income strategies to manage market risk. Accounts are managed on a non‑discretionary basis—clients authorize trades—and as of December 31, 2025 the firm reported approximately $83.5 million in non‑discretionary assets under management and $0 discretionary AUM.
Distinctive features include the firm’s combination of pension consulting and third‑party retirement plan administration alongside individual advisory services, and the principal’s active role in related accounting and insurance consulting (the principal holds a CPA license and operates a consulting business that captures ongoing service commissions on previously sold insurance products). The firm provides plan‑level services such as retirement plan tax form preparation and trust balancing and routinely serves pension/profit‑sharing and other institutional retirement plan clients, activities that are less common among similarly sized independent advisers.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
General retirement planning
Life insurance needs analysis
Fee options
Fixed fees from $250 to $5,000 for financial plans; fixed fees up to 3% of assets for one-time investment advice, minimum $300
$0 - $375,000: 1.00% (pension clients), 1.50% (individual clients) $375,001 - $750,000: 0.80% (pension clients), 1.20% (individual clients) $750,001 - $1,500,000: 0.60% (pension clients), 0.90% (individual clients) $1,500,001 - $3,000,000: 0.45% (pension clients), 0.60% (individual clients) $3,000,001+: 0.35% (pension clients), 0.40% (individual clients)
Up to $250 per hour depending on complexity
Minimum fee: $500 minimum annual fee for pension plans; $300 minimum annual fee for individual clients Fee-only: Fixed fees for financial plans ranging from $250 to $5,000; hourly rates up to $250/hour; fixed fees up to 3% of assets for one-time investment advice with minimum $300
Main office location
Retirement Planning and Management, Inc.
Lakeville MN, United States
Number of offices
1
Most active in
Retirement Planning and Management, Inc. has reported serving >5 clients in these states in the last 12 months.
Minnesota
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")