# Retirement Wealth Advisors

Retirement Wealth Advisors is a RIA.

## Overview

- **Organization type:** RIA
- **Assets under management:** Undisclosed
- **Website:** retirementwealthllc.com
- **LinkedIn:** https://www.linkedin.com/company/retirement-wealth-advisors-llc

## Regulatory record

- **CRD number:** 300419
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/300419

## About

Retirement Wealth Advisors is a professional retirement wealth management advisory firm serving Southwest Florida. The firm empowers individuals and families with intelligent, forward-thinking financial strategies and customized solutions. It focuses on portfolio construction, risk management, costs and tax efficiency, and creates comprehensive financial and lifestyle income plans with goals-based planning personalized to each client's situation.

## People

- Eric Kearney — President and Senior Investment Advisor
- Joseph Lanza — Investment Advisor Representative
- Autumn Foster — Executive Assistant, Client Liaison
- Donna Krohn — Certified Financial Planner™
- Amy Lawson — Investment Advisor Representative

## Questions

### Is Retirement Wealth Advisors a fiduciary?

As a registered investment adviser, the firm is held to the fiduciary standard under the Investment Advisers Act of 1940, meaning it must put client interests ahead of its own. This distinguishes the RIA model from broker-dealers, who operate under the less stringent suitability standard. The firm's revenue comes from advisory fees, not commissions, which reduces conflict-of-interest risk around product recommendations.

### Does Retirement Wealth Advisors manage money or just offer planning?

The firm offers both financial planning and ongoing discretionary investment management. Clients can engage for a one-time retirement plan with implementation guidance, or retain the firm on an ongoing basis for portfolio management, rebalancing, and distribution oversight. This dual-capacity model is common among independent RIAs serving the retiree demographic.

### What is the firm's approach to annuities in retirement plans?

Annuity products, when used, are evaluated for their role in creating guaranteed-income floors that supplement Social Security and pension income. The firm does not sell proprietary annuities, so any recommendation reflects an analysis of contract terms, insurer credit quality, and cost relative to the guaranteed benefit. The focus remains on whether an annuity solves a specific retirement-income gap that the investment portfolio cannot reliably address alone.

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Last updated: 2026-08-11T15:07:57.118Z

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