Retirement Financial Solutions provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 1,000 clients last fiscal year.
Retirement Financial Solutions reports 798 clients. They include 721 individual clients, 69 high-net-worth individuals, and 4 pension and profit-sharing plans. Of its assets, 100.0% ($362M across 2,137 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $362M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 90% | 64% |
| High-net-worth individuals | 9% | 35% |
| Pension and profit-sharing plans | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 721 | $232M | 64.2% | $322K |
| High-net-worth individuals | 69 | $125M | 34.7% | $1.82M |
| Pension and profit-sharing plans | 4 | $3.22M | 0.9% | $806K |
| Corporations and other businesses | 4 | $785K | 0.2% | $196K |
| Total | 798 | $362M | 100% | $453K |
- Clients
- 721
- Regulatory AUM
- $232M
- AUM share
- 64.2%
- Avg. per client
- $322K
- Clients
- 69
- Regulatory AUM
- $125M
- AUM share
- 34.7%
- Avg. per client
- $1.82M
- Clients
- 4
- Regulatory AUM
- $3.22M
- AUM share
- 0.9%
- Avg. per client
- $806K
- Clients
- 4
- Regulatory AUM
- $785K
- AUM share
- 0.2%
- Avg. per client
- $196K
Total
- Clients
- 798
- Regulatory AUM
- $362M
- AUM share
- 100%
- Avg. per client
- $453K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1000
Retirement Financial Solutions charges up to 2.00% a year for its Asset Management Services. The fee is billed in arrears and is negotiable.
Fee details and sources
Bradley Fugate owns 25% to 50% of Retirement Financial Solutions. It has 26 employees, 14 of them in advisory roles.
Staff
- 26 employees
- 14 in advisory functions
- 13 state-registered reps
- 12 insurance agents
- Owns 25% to 50% of Retirement Financial Solutions, LLC
Bradley Fugate
Control person · since August 2014
- Owns 10% to 25% of Retirement Financial Solutions, LLC
Robert Fugate
Control person · since August 2014
- Owns 10% to 25% of Retirement Financial Solutions, LLC
John Vandergriff
Control person · since August 2014
- Owns 10% to 25% of Retirement Financial Solutions, LLC
Robin Fugate
since August 2014
- Owns 10% to 25% of Retirement Financial Solutions, LLC
Ashley Vandergriff
since August 2014
Retirement Financial Solutions’ regulatory assets grew 3.1× from $117M (April 2022) to $362M (March 2026); clients rose from 504 to 798 and employees from 17 to 26.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $362M | 798 | 26 | 4 |
| Jul 2025July 2025 | $276M | 723 | 20 | 2 |
| Mar 2024March 2024 | $201M | 663 | 22 | 2 |
| Mar 2023March 2023 | $149M | 615 | 22 | 2 |
| Apr 2022April 2022 | $117M | 504 | 17 | 2 |
Besides its headquarters, Retirement Financial Solutions has 3 offices, with 4 listed addresses across 2 states.
Tennessee · 3 listed addresses
- 9725 Cogdill Road, Suite 101, KnoxvilleHQ
- 1210 Premier Drive, Chattanooga
- 800 S Gay Street, Knoxville
North Carolina · 1 listed address
- 4601 Six Forks RD, Raleigh
Other business names
Retirement Financial Solutions has reported 1 other business name to the SEC.
- Great Valley Asset Management
Contact and registration details
- Legal name
- Retirement Financial Solutions, LLC
- Headquarters
- 9725 Cogdill Road, Suite 101, Knoxville, TN 37932
- Website
- blueridgewealth.com
- Phone
- 865-392-4260
- @blueridgewealthplanners
- SEC file
- 801-123504
- Structure
- Tennessee LLC
- Fiscal year end
- December
Retirement Financial Solutions’ named custodian for separately managed accounts is Fidelity ($362M). Retirement Financial Solutions does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $362M100%
At year end, Retirement Financial Solutions’ separately managed accounts were mostly in funds (95%). Its reported 13F holdings for the quarter ended 30 June 2026 total $407M across 53 positions; the largest are American Centy ETF TR (11.1%), American Centy ETF TR (7.1%) and American Centy ETF TR (6.9%).
What the accounts hold
- Stocks2%
- Funds95%
- Cash3%
How many clients does Retirement Financial Solutions have?
Retirement Financial Solutions has 798 clients and manages $362 million for them, as of March 2026. They include 721 individual clients, 69 high-net-worth individuals, and 4 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026
What services does Retirement Financial Solutions offer?
Retirement Financial Solutions provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Retirement Financial Solutions charge?
Retirement Financial Solutions charges up to 2.00% a year for its Asset Management Services. The fee is billed in arrears and is negotiable.
Source: BLUE RIDGE WEALTH PLANNERS FIRM BROCHURE, filed 20 March 2026
Which custodians does Retirement Financial Solutions use?
Retirement Financial Solutions’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $362M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026
How many financial advisors does Retirement Financial Solutions have?
Retirement Financial Solutions has 13 investment adviser representatives registered with state securities authorities, out of 26 employees, and 14 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 12 employees are 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 Financial Solutions invest in?
At the end of its last fiscal year, Retirement Financial Solutions’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents and 2% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Retirement Financial Solutions?
Retirement Financial Solutions’ direct owners are Bradley Fugate, Robert Fugate, John Vandergriff, Robin Fugate and Ashley Vandergriff, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 20 March 2026
How does Retirement Financial Solutions get paid?
Retirement Financial Solutions is paid through a percentage of assets under management and other compensation. 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 Financial Solutions?
Retirement Financial Solutions’ main office is at 9725 Cogdill Road, Suite 101, Knoxville, TN 37932. Its phone number is 865-392-4260. Its website is blueridgewealth.com.