# Retirement Planning Solutions

Retirement Planning Solutions is a Bank / Wealth / Trust based in Louisville, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Louisville, United States
- **Region:** North America
- **Address:** Louisville, KY, United States
- **Founded:** 2001
- **Assets under management:** Undisclosed
- **Website:** retirementplanningsolutions.com
- **LinkedIn:** https://www.linkedin.com/company/retirementplanningsolutions

## Regulatory record

- **CRD number:** 311575
- **SEC file number:** 801-119926
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/311575

## About

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.

## Questions

### What investment products does the firm primarily use for retirement-income planning?

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.

### Does Retirement Planning Solutions manage assets for institutional clients or only individuals?

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.

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- [Retirement Planning Services](https://altss.com/profile/retirement-planning-services)
- [Retirement Planning Specialists](https://altss.com/profile/retirement-planning-specialists)

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Last updated: 2026-06-03T20:00:00.000Z

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