# Retirement Optimization Group

Retirement Optimization Group is a Bank / Wealth / Trust based in Honolulu, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Honolulu, United States
- **Region:** North America
- **Address:** Honolulu, HI, United States
- **Founded:** 2014
- **Assets under management:** Undisclosed
- **Website:** therogroup.org

## Regulatory record

- **CRD number:** 286425
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/286425

## About

Founded in 2014 and headquartered in Honolulu, Retirement Optimization Group operates as a boutique registered investment advisor serving a distributed client base that spans business owners, creative professionals, and pre-retirees. The firm’s geographic footprint stretches across six states — Hawai‘i, Arizona, Alaska, Texas, Colorado, and Maryland — reflecting a multi-state household focus. The advisory practice combines retirement-income planning with asset allocation and federal benefits counseling. Its service model integrates tax-aware strategies, liquidity-event planning, and generational wealth coordination. While the firm does not publicly name specific portfolio holdings or fund structures, its published materials emphasize a calm, evidence-based investment philosophy centered on retirement drawdown discipline. The website highlights a digital client portal, Generational Vault, for 24/7 account and document access. The firm’s scale remains undisclosed — no AUM, total client count, or advisor headcount is public. Its LinkedIn presence is absent from the captured sources, leaving the leadership team and professional roster unconfirmed. Retirement Optimization Group’s client-facing language positions it as a fiduciary, fee-only practice, but no Form ADV or regulatory filing is cited in the available inputs, limiting third-party verification of its registered status. Structurally, the firm’s differentiator lies in its narrowly defined client niche — pre-retirees, business owners undergoing liquidity events, and households managing federal benefits — combined with a distributed licensing footprint enabling cross-state continuity. This architecture contrasts with larger wirehouse or robo-advisor models by rejecting asset-gathering scale in favor of concentrated planning relationships across a deliberate set of states.

## Questions

### Is Retirement Optimization Group a fiduciary?

The firm describes itself as a fiduciary advisory firm, stating it is committed solely to the client’s best interests. However, no SEC or state regulatory filing is cited in the available sources, so the legal basis of its fiduciary claim cannot be independently confirmed from the captured data.

### How does the firm source clients?

Retirement Optimization Group markets to business owners, creative professionals, and pre-retirees — especially multi-state households — through a website offering complimentary financial analysis. No external referral partnerships, centers of influence, or custodial relationships are named in the available inputs.

### Does the firm manage assets directly, or does it use third-party managers?

The available sources do not specify whether the firm constructs portfolios from individual securities, uses third-party managers, or deploys client capital into model portfolios or funds. The website references an evidence-based investment philosophy but provides no structural detail on implementation.

### Who runs the investment decisions at Retirement Optimization Group?

The firm’s website does not name any principals, advisors, or investment committee members. No team page or leadership bios were captured, and a LinkedIn presence is absent from the sources consulted, leaving the decision-making structure unconfirmed.

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

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