# Retirement Planning and Management

Retirement Planning and Management is an Asset Manager based in Ormond Beach, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Ormond Beach, United States
- **Region:** North America
- **Address:** Ormond Beach, FL, United States
- **Assets under management:** Undisclosed
- **Website:** rpmfin.com

## Regulatory record

- **CRD number:** 115483
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/115483

## About

RETIREMENT PLANNING AND MANAGEMENT, INC. is a state-registered investment adviser. The firm manages approximately $84 million in regulatory assets. It has 1 employee and 1 investment adviser.

## Sectors

- Financial Services

## People

- Scott R. Riddle — President

## Questions

### How does Retirement Planning and Management approach sequence-of-returns risk?

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.

### Does Retirement Planning and Management participate in fund commitments or direct private deals?

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.

### What is the firm's posture on annuities within a retirement plan?

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.

### What is the firm's succession plan?

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.

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- [Deep Blue Investment Advisors](https://altss.com/profile/deep-blue-investment-advisors)
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Last updated: 2026-06-03T20:00:00.000Z

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