Retirement Consulting Group provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Retirement Consulting Group reports 86 clients. They include 40 high-net-worth individuals, 33 individual clients, and 10 pension and profit-sharing plans. Of its assets, 96.7% ($442M across 170 accounts) are managed with discretion; $14.9M across 22 accounts are not. It advised 13 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 38% | 3% |
| High-net-worth individuals | 47% | 23% |
| Banking or thrift institutions | 1% | <1% |
| Pension and profit-sharing plans | 12% | 72% |
| Charitable organizations | 2% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 33 | $14.6M | 3.2% | $442K |
| High-net-worth individuals | 40 | $104M | 22.8% | $2.6M |
| Banking or thrift institutions | 1 | $1.24M | 0.3% | $1.24M |
| Pension and profit-sharing plans | 10 | $328M | 71.8% | $32.8M |
| Charitable organizations | Fewer than 5 | $9.13M | 2.0% | $4.56M |
| Total | 86 | $457M | 100% | — |
- Clients
- 33
- Regulatory AUM
- $14.6M
- AUM share
- 3.2%
- Avg. per client
- $442K
- Clients
- 40
- Regulatory AUM
- $104M
- AUM share
- 22.8%
- Avg. per client
- $2.6M
- Clients
- 1
- Regulatory AUM
- $1.24M
- AUM share
- 0.3%
- Avg. per client
- $1.24M
- Clients
- 10
- Regulatory AUM
- $328M
- AUM share
- 71.8%
- Avg. per client
- $32.8M
- Clients
- Fewer than 5
- Regulatory AUM
- $9.13M
- AUM share
- 2.0%
- Avg. per client
- $4.56M
Total
- Clients
- 86
- Regulatory AUM
- $457M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 13
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Retirement Consulting Group is paid through a percentage of assets under management and fixed fees (other than subscription fees); its fees and minimums are set out in its brochures on the SEC website.
John Upton owns 75% or more of Retirement Consulting Group. The leadership team of Retirement Consulting Group includes President John Upton and Chief Compliance Officer Brett Pohl. It has 4 employees, 1 of them in advisory roles.
Leadership
- John UptonPresident
- Brett PohlChief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- James Abraham Monroe
- John Harold Upton III
Staff
- 4 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Retirement Consulting Group, Inc.
John Upton
Control person · since February 1997
Retirement Consulting Group’s regulatory assets grew 1.8× from $260M (July 2021) to $457M (March 2026); clients fell from 175 to 86 and employees were 4 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $457M | 86 | 4 | 1 |
| March 2025 | $411M | 84 | 4 | 1 |
| March 2024 | $367M | 83 | 4 | 1 |
| May 2023 | $326M | 89 | 3 | 1 |
| February 2022 | $362M | 84 | 5 | 1 |
| July 2021 | $260M | 175 | 4 | 1 |
Besides its headquarters, Retirement Consulting Group has 0 offices, with 1 listed address in Oregon.
Oregon · 1 listed address
- 5 Centerpointe Drive, Suite 400, Lake OswegoHQ
Contact and registration details
- Legal name
- Retirement Consulting Group, Inc.
- Headquarters
- 5 Centerpointe Drive, Suite 400, Lake Oswego, OR 97035
- Website
- retirementconsulting.com
- Phone
- 503-225-1700
- SEC file
- 801-119724
- Structure
- Oregon corporation
- Fiscal year end
- December
Retirement Consulting Group uses Charles Schwab ($191M, 48%), Vanguard Marketing ($130M, 32%) and Empower ($80.2M, 20%) as custodians for its separately managed accounts. Retirement Consulting Group has custody of $101M in client assets for 59 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $191M48%
- EmpowerEmpower Financial Services, Inc. · Greenwood Village, CO · $80.2M20%
- Vanguard MarketingVanguard Marketing Corporation · Malvern, PA · $130M32%
At year end, Retirement Consulting Group’s separately managed accounts were mostly in funds (91%).
What the accounts hold
- Stocks2%
- Funds91%
- Bonds5%
- Cash2%
How many clients does Retirement Consulting Group have?
Retirement Consulting Group has 86 clients and manages $457 million for them, as of March 2026. They include 40 high-net-worth individuals, 33 individual clients, and 10 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026
What services does Retirement Consulting Group offer?
Retirement Consulting Group provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Retirement Consulting Group use?
Retirement Consulting Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $191M, Vanguard Marketing Corporation (Malvern, PA), with $130M and Empower Financial Services, Inc. (Greenwood Village, CO), with $80.2M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026
How many financial advisors does Retirement Consulting Group have?
Retirement Consulting Group has 1 investment adviser representative registered with state securities authorities, out of 4 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Retirement Consulting Group invest in?
At the end of its last fiscal year, Retirement Consulting Group’s separately managed accounts held 91% registered funds (mutual funds, ETFs, BDCs), 5% U.S. government and agency bonds, 2% exchange-traded equities and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Retirement Consulting Group?
Retirement Consulting Group’s direct owner is John Upton (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 11 March 2026
How does Retirement Consulting Group get paid?
Retirement Consulting Group is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Retirement Consulting Group?
Retirement Consulting Group’s main office is at 5 Centerpointe Drive, Suite 400, Lake Oswego, OR 97035. Its phone number is 503-225-1700. Its website is retirementconsulting.com.