Retirement Planning Solutions

The firm has not publicly named an individual chief investment officer or disclosed its investment committee membership. Client portfolios are built using a combination of in-house model allocations and third-party manager strategies, with advisor discretion typically guided by a centralized house view. The exact governance structure—whether a formal investment committee exists or the founder retains sole discretion—is not a matter of public record.

The firm operates under a hybrid regulatory model, common among insurance-licensed advisors. When delivering investment-management services through managed accounts, the firm acts as a fiduciary under the Investment Advisers Act of 1940. When placing commissionable insurance products such as annuities or long-term-care policies, the standard of care shifts to suitability under state insurance regulation. For corporate retirement plans, the firm may contract as an ERISA 3(21) or 3(38) co-fiduciary.

Retirement Planning Solutions emphasizes fixed-indexed annuities as a central tool for clients entering the decumulation phase, per its 2023 guidance refresh. These products are combined with managed equity and fixed-income portfolios, Social Security-claiming strategies, and required minimum distribution scheduling. The firm also places long-term-care insurance and life insurance policies, creating a bundled income-and-protection architecture for retiree households.

The firm's disclosed client base includes individuals, high-net-worth individuals, and corporations or business entities. The corporate segment is served primarily through retirement-plan design and administration—401(k) and defined-benefit plans—rather than through institutional separate accounts or pooled funds. There is no public evidence of endowment, foundation, or pension-fund clients outside of the corporate plan sponsor relationships.

Retirement Planning Solutions operates from a single headquarters in Louisville, Kentucky, with no publicly disclosed additional offices. Its client base is concentrated in Kentucky and southern Indiana. The firm does not appear to maintain a national RIA platform or multi-state brick-and-mortar presence, though it may serve clients remotely under Kentucky's advisor registration framework.

The firm employs a dual-compensation structure typical of hybrid advisory practices. Investment-management services are generally charged on an asset-under-management fee schedule. Insurance products—including annuities, life insurance, and long-term-care policies—generate commission revenue at the point of sale and may carry ongoing trail compensation. Clients should confirm the specific fee-and-commission breakdown in the firm's Form ADV Part 2A and insurance disclosure documents.

The firm has not publicly disclosed dedicated in-house tax professionals, CPAs, or estate-planning attorneys. Its financial-planning services—covering retirement, investment, and insurance planning—are delivered by its advisor team. For tax preparation, trust drafting, or complex estate strategies, the firm likely coordinates with external local professionals, though no formal referral network has been identified in public materials.