# THRIVE RETIREMENT SPECIALISTS

THRIVE RETIREMENT SPECIALISTS is a RIA based in United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **LinkedIn:** https://www.linkedin.com/company/72243899

## Regulatory record

- **CRD number:** 310289
- **SEC file number:** 801-129197
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/310289

## About

THRIVE RETIREMENT SPECIALISTS is an SEC-registered investment adviser in ROYAL OAK, MI, registered since 2023. The firm manages approximately $304 million in assets. It has 2 employees and 2 investment advisers.

## Questions

### What investment approach does Thrive Retirement Specialists use for retired clients?

Thrive constructs income-first portfolios designed to produce reliable monthly or annual paychecks. Rather than maximising total return, the firm layers guaranteed-income products — such as fixed and fixed-index annuities — with bond ladders and dividend-oriented equity sleeves. Withdrawal rates and rebalancing rules are modelled to sustain distributions across a client's expected lifetime, even through down markets.

### How does Thrive incorporate annuities into a retirement plan?

Annuities serve as the foundation layer of the income plan, replacing a portion of the portfolio's bond allocation with insurance-company guarantees. The firm evaluates both fixed-rate and fixed-index contracts, selecting carriers based on financial-strength ratings and payout competitiveness. By annuitizing a portion of assets, clients secure a base income that is not exposed to market or longevity risk.

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

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