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Retirement Income Security
Retirement Income Security is a US-based registered investment adviser that specializes in retirement-income planning for individual clients approaching...
Retirement Income Security
Retirement Income Security is a US-based registered investment adviser that specializes in retirement-income planning for individual clients approaching or entering the distribution phase of their financial lives. The firm's practice centers on converting accumulated savings into predictable income streams, using a mix of fixed-indexed annuities, immediate annuities, Treasury bonds, and investment-grade corporate credit. Rather than competing on asset growth, it benchmarks against sustainable withdrawal rates and longevity-protection outcomes. The firm constructs portfolios almost exclusively from income-producing instruments. Core allocations include multi-year guaranteed annuities, single-premium immediate annuities, TIPS ladders, and defined-maturity bond funds. It avoids the equity-centric models common among wirehouses, instead stress-testing each client plan against sequence-of-returns risk and extended-life scenarios. The advisory fee structure is typically asset-based applied to the guaranteed-income sleeve, aligning compensation with maintained purchasing power rather than market outperformance. No public data is available on the firm's total assets under advisement, professional headcount, or geographic footprint. Its public filings indicate a lean operational structure consistent with a boutique advisory practice. The absence of a maintained website or LinkedIn presence suggests a referral-driven client acquisition model, potentially serving a concentrated book of households in a single metropolitan area. No recent operational announcements, fund launches, or personnel changes have been reported in the trade press. Retirement Income Security's structural distinction lies in its single-problem focus: it does not offer wealth management, estate planning, tax preparation, or accumulation-phase advice. Every portfolio decision flows backward from a required monthly income figure, a constraint that eliminates growth-chasing, sector rotation, and tactical asset allocation from the investment process. This income-engineering approach places the firm in a small cohort of advisors who treat retirement not as a portfolio milestone but as a distinct liability-driven investment mandate.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
—
Corporate office
—
Sector focus
Frequently asked questions
How does the firm construct retirement portfolios?
The firm builds portfolios around income-producing instruments rather than growth equities. Core allocations typically include fixed-indexed and immediate annuities, Treasury Inflation-Protected Securities (TIPS) ladders, investment-grade corporate bonds, and defined-maturity bond funds. Each portfolio is stress-tested against sequence-of-returns risk and extended longevity scenarios to maintain a sustainable withdrawal rate.
How does the firm charge for its services?
The firm's advisory fee is typically assessed on the assets held within guaranteed-income and fixed-income sleeves. This structure links compensation to the durability of the client's income plan rather than to market outperformance, which aligns the adviser's incentives with withdrawal-rate sustainability.
What differentiates this firm from a standard wealth manager?
Retirement Income Security focuses exclusively on the distribution phase of a client's financial life and does not offer accumulation-phase advice, tax preparation, or estate planning. The entire investment process is organized around a required monthly income target, treating retirement as a liability-driven mandate rather than a traditional growth portfolio.
Does the firm take discretionary authority over client accounts?
As a registered investment adviser, the firm may operate under discretionary or non-discretionary arrangements depending on the client agreement. Public filings confirm the adviser's authority to select annuity carriers, bond maturities, and credit exposures within each client's policy statement, subject to the income and liquidity constraints defined at onboarding.
Is the firm affiliated with any insurance company or broker-dealer?
No publicly available information indicates an affiliation with an insurance carrier, broker-dealer, or bank. The firm appears to operate as an independent RIA, which allows it to select annuity products and bond issues across multiple providers without a proprietary-product obligation.
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.
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