# Frugal Financial Retirement Plan Services

Frugal Financial Retirement Plan Services is a Bank / Wealth / Trust based in Mobile, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Mobile, United States
- **Region:** North America
- **Address:** St. Petersburg, FL, United States
- **Founded:** 2022
- **Assets under management:** Undisclosed
- **LinkedIn:** https://linkedin.com/company/retirement-partner-advisors

## Regulatory record

- **CRD number:** 168390
- **SEC file number:** 801-125768
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-03-27T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/168390

## About

Frugal Financial Retirement Plan Services is an SEC-registered investment adviser in Mobile, AL, registered since 2022. The firm manages approximately $195 million in regulatory assets. It has 4 employees and 2 investment advisers.

## Sectors

- Financial Services
- Retirement & Wealth Management

## Questions

### What type of clients does Frugal Financial Retirement Plan Services serve?

The firm serves individual investors, primarily pre-retirees and retirees, as well as small business owners in the Tampa Bay area. Its client base is concentrated among households navigating the transition from asset accumulation to retirement income distribution.

### What is Frugal Financial's core area of specialization?

Frugal Financial specializes in retirement income planning. This includes required minimum distribution strategies, Social Security claiming optimization, tax-efficient withdrawal sequencing, and portfolio structuring designed to produce reliable income through retirement.

### Does Frugal Financial operate nationally or focus on a specific region?

The firm is based in St. Petersburg, Florida, and serves clients predominantly within the Tampa Bay metropolitan area. Its geographic focus aligns with Florida's status as a leading destination for retirees, providing a concentrated local client base.

### What investment products does Frugal Financial typically recommend?

The firm constructs portfolios using traditional asset classes such as equities and fixed income, and also evaluates insurance-based products including fixed indexed annuities where appropriate for guaranteed income needs. Product selection is driven by each client's retirement income objectives rather than a one-size-fits-all model.

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Last updated: 2026-06-03T20:00:00.000Z

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