Retirement Planning and Management

Scott R. Riddle serves as President and is the central figure responsible for investment and planning decisions. The firm operates as a boutique registered investment adviser where the principal advisor designs client portfolios and retirement-income strategies directly. Public filings list Riddle as the primary executive, and the firm's lean structure suggests no separate investment committee.

The firm structures portfolios using time-segmented bucketing, which allocates near-term withdrawal needs to low-volatility holdings like bonds and cash equivalents, while longer-horizon assets remain in equities for growth. This approach directly addresses sequence risk — the danger that early retirement market declines permanently impair a portfolio's ability to sustain withdrawals. The strategy aligns with methodologies advocated by academic retirement-income research rather than a single total-return target.

No. The firm deploys client capital exclusively through publicly available securities, mutual funds, individual bonds, and insurance-based products. It does not sponsor private funds, participate in SPVs, or arrange direct co-investments. Its mandate is restricted to liquid, transparent instruments suitable for a retirement-income framework.

The firm integrates annuities selectively as a tool for longevity risk pooling — converting a portion of assets into guaranteed income streams to cover essential expenses. This usage treats annuities as a pension-like income floor rather than a total-portfolio solution. The specific product recommendations depend on client age, health, and existing guaranteed-income sources like Social Security.

As a registered investment adviser, the firm primarily charges a fee based on assets under management, creating an incentive aligned with portfolio growth but also potentially with asset retention rather than decumulation. Per Form ADV filings, the firm may also receive commissions from insurance or securities products, which introduces a transactional conflict that must be disclosed. Clients should review the firm's Form CRS for a plain-English summary of conflicts.

There is no publicly disclosed succession or continuity plan for Retirement Planning and Management. The firm's identity and service model remain tied to Scott R. Riddle as the principal advisor. For a practice serving clients in or near retirement — where advisory relationships often span decades — the absence of a stated successor represents a structural risk.

No. The firm is a registered investment adviser serving multiple individual and household clients, not a family office managing a single source of wealth. Its client base consists of unaffiliated retirees and pre-retirees, typically with assets accumulated through corporate retirement plans, not a single family's enterprise.