Retirement Planning Solutions

Retirement Planning Solutions

Retirement Planning Solutions was established in 2001 in Louisville, Kentucky. The firm was built to serve a regional client base that includes individual retirees, high-net-worth families, and corporate retirement-plan sponsors. Its founding thesis—that a single advisory relationship can span investment management, insurance, and full financial planning—was designed for clients who previously had to stitch those services together across multiple providers. The firm deploys client capital across a mix of publicly traded equities, fixed-income instruments, managed accounts, and insurance products including annuities and long-term-care policies. Public records indicate that client portfolios are constructed using both in-house model allocations and third-party manager strategies. Retirement planning engagements are built around cash-flow modeling, Social Security-claiming optimization, and required minimum distribution scheduling. For business clients, the firm structures and administers 401(k) and defined-benefit plans, serving as a co-fiduciary under ERISA section 3(21) or 3(38) when contracted. Headquartered in Louisville, the firm maintains a single-office footprint and serves clients primarily across Kentucky and southern Indiana. Team size is not publicly disclosed. No adjacent philanthropic entity, operating company, or peer-network membership has been publicly identified. In May 2023, the firm refreshed its public-facing guidance materials to emphasize fixed-indexed annuity strategies as a core income-replacement tool for clients entering retirement (per the firm, May 2023). What structurally separates Retirement Planning Solutions from larger wirehouses is its insurance-licensed advisory model: the firm can originate both fiduciary investment-managed accounts and commissionable insurance products under one roof. That dual-registration architecture creates a planning loop where life insurance, annuities, and long-term-care coverage are integrated directly into the same household balance sheet as the managed portfolio—a hybridization that national RIAs often outsource.