Updated:
Retirement Corporation of America
Retirement Corporation of America opened in 1988 to solve a niche problem: converting lump-sum retirement assets into predictable monthly income for departing...
Retirement Corporation of America
Retirement Corporation of America opened in 1988 to solve a niche problem: converting lump-sum retirement assets into predictable monthly income for departing P&G employees. The firm’s Family Master Plan® remains its core deliverable, translating individual spending budgets and lifestyle targets into a managed multi-asset allocation. RCA operates from a single office in Cincinnati, serving a client base concentrated in former P&G executives and staff. RCA’s investment posture begins with a five-step macro-to-micro process: an annual economic outlook drives long-term thematic tilts — onshoring/rebuilding US manufacturing, growing demand for healthcare products and services, increasing electricity demand, and deployment of artificial intelligence including robotics — which then shape sector weightings (technology, communications, manufacturing, financials) and style/size/geographic allocations (US large-cap, developed international, emerging international stocks). The resulting model blend is implemented through a curated roster of third-party managers covering US equities, international equities, fixed income, and alternatives. Each manager undergoes qualitative and quantitative due diligence; portfolio performance is tracked daily, weekly, and monthly against a composite benchmark. No public AUM, team size, or named principals are disclosed. The firm presents no additional offices, affiliated foundations, or visible club memberships beyond its core P&G retiree franchise. Since no dated operational event from the last 24 months is verifiable, the most current posture remains the ongoing delivery of quarterly performance reports and the Family Master Plan® refinement process detailed on the firm’s website. RCA’s structural differentiator is its single-employer anchor. Rather than competing in the broad wealth-management market, the firm funnels nearly all its energy into a proprietary retirement-income factory purpose-built for one corporate alumni pool — a governance and distribution moat that most generalist RIAs cannot replicate.
General information
Firm type
Bank / Wealth / Trust
Year founded
1988
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Plano
Corporate office
10300 Alliance Road, Suite 100, Cincinnati, OH 45242, United States
Sector focus
Frequently asked questions
What is the Family Master Plan® and how is it structured?
The Family Master Plan® is RCA’s proprietary retirement-income framework. It starts by defining each client family’s spending budget and lifestyle objectives, then reverse-engineers an investment strategy to deliver a defined monthly deposit into the client’s checking or savings account. The underlying portfolio uses a blend of external managers across US stocks, international stocks, bonds, and alternatives, monitored daily and reported quarterly.
How does RCA source and select its external investment managers?
RCA conducts an internal due-diligence process that applies both qualitative and quantitative analysis to each candidate manager. The firm develops its own annual macro outlook and sector-level allocation preferences — including tilts toward themes such as onshoring, healthcare demand, and AI — then builds a model portfolio drawn from a diverse group of managers covering US and international equities, fixed income, and alternatives.
Does RCA serve clients beyond Procter & Gamble retirees?
RCA’s public materials focus almost exclusively on helping retiring P&G employees replace their paycheck with a defined income stream, even offering a 'Leaving P&G Complimentary Consultation.' The firm does not explicitly state that it restricts its client base solely to P&G alumni, but that cohort dominates its marketing and service language.
What asset classes does RCA allocate to, and what geographies does it cover?
RCA invests clients across US equities, international equities (split between developed and emerging markets), bonds, and alternatives. Its geographic overlay shifts tactically based on an annual macro outlook; long‑term thematic tilts currently include reshoring US manufacturing capacity, expanding healthcare services, meeting rising electricity demand, and deploying artificial intelligence and robotics.
How does RCA monitor and report portfolio performance?
Portfolio risk and return are reviewed on a daily, weekly, and monthly basis against RCA’s model portfolio benchmark. Clients receive formal quarterly performance reports detailing results relative to that benchmark, a cadence that reinforces the firm’s stewardship mandate for retirees living off scheduled distributions.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
Need institutional-grade insight on registered investment advisers?
Altss delivers:
Prefer a guided tour?
We’ll walk you through: