# ROLEK RETIREMENT PLANNING

ROLEK RETIREMENT PLANNING is a RIA based in Berwyn, United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** Berwyn, United States
- **Region:** North America
- **Address:** Minneapolis, MN, United States
- **Assets under management:** Undisclosed
- **LinkedIn:** https://www.linkedin.com/company/kyle-rolek-b7b5b836

## Regulatory record

- **CRD number:** 285351
- **SEC file number:** 801-129490
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/285351

## About

ROLEK RETIREMENT PLANNING is an SEC-registered investment adviser in BERWYN, PA, registered since 2024. The firm manages approximately $239 million in regulatory assets. It has 1 employee and 1 investment adviser.

## Sectors

- Retirement Planning
- Wealth Management

## People

- Paul J. Rolek — Founder and President

## Questions

### Is Rolek Retirement Planning a fiduciary, and how does that affect client accounts?

Paul Rolek holds both CFP and AIF designations, binding the firm to fiduciary standards under the Investment Advisers Act of 1940 and NAPFA membership requirements. This means every portfolio recommendation, insurance analysis, and distribution plan must serve the client's best interest — not a product commission structure. The firm operates as fee-only, charging directly for advice rather than accepting brokerage kickbacks.

### What is the firm's approach to Social Security claiming strategies?

Rolek integrates Social Security optimization as a core planning function rather than an afterthought — modeling file-and-suspend (pre-legislative changes), restricted application, and delayed retirement credit scenarios. The analysis weighs longevity risk, spousal benefit coordination, and tax torpedo considerations. The firm uses iterative software to stress-test starting ages against each client's specific health, income, and portfolio profile.

### Does the firm recommend annuities, and if so, under what circumstances?

Annuity evaluation is part of the firm's decumulation toolkit, but only for base-income flooring when a retiree's guaranteed income sources — Social Security plus any pension — fall short of non-discretionary expense coverage. Rolek's fiduciary posture demands fee-based or no-load annuity products analyzed on a net-yield basis after all mortality-and-expense charges, not commissioned variable annuity contracts. The firm documents why an annuity does or does not fit before any purchase recommendation.

### How far beyond Minneapolis does the firm accept clients?

The practice primarily serves individuals across the Twin Cities metro and extends into western Wisconsin, with a strong preference for in-person planning sessions that allow for document review and joint decision-making. Virtual arrangements are maintained for snowbird clients who split time in warmer states but retain their financial domicile in Minnesota.

### What professional networks does the firm rely on for referrals and multidisciplinary planning?

Rolek's referral ecosystem centers on estate planning attorneys and CPAs managing aging-family financial logistics — not securities brokers. This attorney-CPA-centric funnel produces clients who need technical distribution planning rather than product sales. The firm's NAPFA membership also connects it to a national peer network of fee-only advisors for practice support and specialist referrals.

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

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