Retirement Planning and Management

Retirement Planning and Management

Retirement Planning and Management, Inc. was established by Scott R. Riddle to serve a concentrated clientele of individuals navigating the transition from accumulation to decumulation. The firm operates out of Ormond Beach, Florida, and is structured as a registered investment adviser, filing Form ADV with the SEC or state regulators accordingly. Its founding premise centers on the finite nature of retirement capital, distinguishing the practice from firms that prioritize asset-gathering over income longevity. The wealth it manages is earned, not inherited — aggregated from decades of individual savings, 401(k) rollovers, and IRA consolidations across a demographic that prizes withdrawal-rate discipline over speculative upside. The strategy framework rests on retirement-income planning, blending asset management with actuarial awareness. Core asset classes include individual bonds, dividend-paying equities, mutual funds, and annuities, with allocations determined by time-segmented bucketing rather than a single total-return mandate. The firm addresses stage coverage holistically: pre-retirees receive accumulation-and-tax-location guidance; early retirees receive sequence-of-returns-risk mitigation; and later-stage clients encounter required-minimum-distribution and legacy planning. Geographic coverage concentrates on Florida's east coast, though the firm's reporting documents suggest a client footprint extending into neighboring states. The practice does not operate private funds, SPVs, or club-deal structures — its capital is deployed entirely through publicly available securities and insurance products. Riddle serves as President and presumably the primary investment decision-maker, reflecting a lean boutique structure where the advisor is the firm. The team likely includes client-service and paraplanning support, but no additional named senior professionals appear consistently in public filings. The firm's operational scale is modest, characteristic of a lifestyle practice rather than an institutional aggregator. Its identity remains tied to the founder's methodology and local market presence, without adjacent vehicles like philanthropic foundations or real-asset arms. No material acquisition, leadership transition, or product launch has been reported publicly in the last 24 months. The structural differentiator is the firm's advisory model itself — a single-point-of-contact registered investment adviser that blends tax planning, Social Security timing analysis, and investment management into one retainer-like relationship. This architecture diverges from the brokerage or bank-based advisory model, where product distribution often shapes the advice. The succession risk is tied to Riddle's continued presence; there is no publicly disclosed continuity plan or next-generation leadership structure.