Retirement Guys Formula

Retirement Guys Formula

Retirement Guys Formula was founded in 2013 and operates from a single office in Maumee, Ohio. The firm functions as a registered investment advisor with a fiduciary duty, meaning it is legally bound to act in its clients' best interests. Its client base spans individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations, though the firm's public positioning centers heavily on individual retirement planning and income distribution strategies. The firm deploys capital through four publicly detailed equity strategies. Dividend Kings uses mutual funds and ETFs to build a diversified, multi-asset-class growth portfolio. Capital Leaders invests exclusively in stocks of companies that meet quantitative thresholds: at least $1 billion in cash, long-term debt-to-equity under 30%, and return on equity above 15%. Daily Essentials holds companies whose products are everyday consumer staples, aiming for lower volatility than the broad market. SMid Capital Growth applies the Capital Leaders screening criteria — with a lower $100 million cash floor — to small- and mid-cap companies. The firm also provides financial planning services, including tax-efficient retirement-income distribution and investment selection assistance. Its geographic coverage appears domestic, focused on US-listed equities and US-based clients. Headcount is unlisted, but the firm's team page names a Director of Operations, Director of Client Relations, Director of Plan Services, a Certified Portfolio Manager, an Investment Advisor Representative, and a Financial Consultant, confirming a small, multi-role team structure. No AUM or total deployment figure appears in any public source. The firm's website references a 25-year client-service history dating to before its 2013 incorporation, suggesting the principals operated in an advisory capacity prior to formalizing the RIA. Most RIAs of this size operate with off-the-shelf models or third-party strategist portfolios. Retirement Guys Formula's structural differentiator is its internally maintained quantitative screening process — the same cash, leverage, and profitability thresholds applied systematically across both large-cap and SMid-cap mandates. That in-house committee-driven stock selection, rather than reliance on external models or pure ETF allocation, represents a genuine operational distinction from many competing retail-focused fiduciary advisors.