Retirement Planners of America

The firm likely operates a hybrid model, maintaining both a Registered Investment Advisor entity and a licensed insurance agency. This structure is common among retirement-focused planners, allowing them to charge advisory fees on managed accounts while earning commissions on annuity and life insurance placements. An investor should request Form ADV and a clear disclosure of all compensation sources before engaging the firm.

The firm constructs portfolios primarily from publicly traded securities — mutual funds, ETFs, and individual bonds — alongside fixed-indexed and variable annuity contracts. There is no evidence the firm utilizes private equity, hedge fund, or direct real estate strategies. The core goal of portfolio construction is durable retirement income, not absolute-return maximization.

The firm is headquartered in Oklahoma City, and its client base is concentrated in the South and Midwest, particularly Oklahoma, Texas, and Arkansas. Some clients may have relocated to retirement-heavy states such as Florida or Arizona. The firm does not publicly list satellite offices or a multi-state physical footprint.

There is no public evidence linking the firm to a parent bank, national trust company, or proprietary insurance carrier. Most independent retirement-planning RIAs in this segment custody client assets with third-party platforms like Charles Schwab or Fidelity and broker insurance products through a general agency, but a specific relationship has not been confirmed for this firm.

No. Retirement Planners of America's name, location, and public posture indicate a retail practice serving individual households. The firm does not market institutional consulting, OCIO services, or pooled vehicles for pensions and endowments.