Retirement Investment Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, educational seminars, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 1,500 clients last fiscal year.
Retirement Investment Advisors reports 1,431 clients. They include 996 individual clients, 403 high-net-worth individuals and 18 charitable organizations. Of its assets, 100.0% ($1.49B across 3,444 accounts) are managed with discretion. It advised 25 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 70% | 28% |
| High-net-worth individuals | 28% | 69% |
| Pension and profit-sharing plans | <1% | 2% |
| Charitable organizations | 1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 996 | $413M | 27.7% | $415K |
| High-net-worth individuals | 403 | $1.03B | 68.9% | $2.55M |
| Pension and profit-sharing plans | 14 | $24.4M | 1.6% | $1.74M |
| Charitable organizations | 18 | $25.3M | 1.7% | $1.4M |
| Total | 1,431 | $1.49B | 100% | $1.04M |
- Clients
- 996
- Regulatory AUM
- $413M
- AUM share
- 27.7%
- Avg. per client
- $415K
- Clients
- 403
- Regulatory AUM
- $1.03B
- AUM share
- 68.9%
- Avg. per client
- $2.55M
- Clients
- 14
- Regulatory AUM
- $24.4M
- AUM share
- 1.6%
- Avg. per client
- $1.74M
- Clients
- 18
- Regulatory AUM
- $25.3M
- AUM share
- 1.7%
- Avg. per client
- $1.4M
Total
- Clients
- 1,431
- Regulatory AUM
- $1.49B
- AUM share
- 100%
- Avg. per client
- $1.04M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 25
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1500
Retirement Investment Advisors charges up to 1.25% a year for its Advisory Service Agreement. The fee is billed in arrears, is negotiable and has a $1,500 annual minimum. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Annual Retainer
- Annual retainers for financial services are fixed in advance based on the complexity of the work and billed quarterly.
- Hourly Planning Engagements
- Hourly planning is charged at $400 to $600 per hour for financial professional services, with a four-hour minimum fee per engagement.
NFP Corp owns 75% or more of Retirement Investment Advisors. The leadership team of Retirement Investment Advisors includes President Carol Alexander and Chief Compliance Officer Donna Dimaria. It has 15 employees, 8 of them in advisory roles.
Leadership
- Carol AlexanderExecutive Vice President
- Brenda BolanderExecutive Vice President
- Andrew FlintonPresident
- Heather MisialekExecutive Vice President
- Chad RudyExecutive Vice President - Texas
- Donna DimariaChief Compliance Officer
- David HornDirector
- Michael NoelDirector
- Edward O'MalleyDirector
- Randy ThurmanCEO
Investment adviser representatives
8 representatives listed in the SEC register as of 9 October 2026.
- Carol Ringrose Alexander
- Brenda Sue Bolander
- Joseph Wayne Bowie
- Andrew Kenneth Flinton
- Alexxander V Peralta
- Chad Allen Rudy
- Randy Loyn Thurman
- Gabriel Levi Wallace
Staff
- 15 employees
- 8 in advisory functions
- Owns 75% or more of Retirement Investment Advisors Inc
NFP Corp
Control person · since January 2003
- Owns 75% or more of Retirement Investment Advisors Inc
Randolph Acquisition Corp
Control person · since April 2024
- Owns 75% or more of Randolph Acquisition Corp
Aon Corporation
Control person · since January 2025
- Owns 75% or more of Aon Corporation
Aon North America Inc
Control person · since January 2025
- Owns 75% or more of Aon North America Inc
Aon Global Holdings Intermediaries LTD
Control person · since January 2025
- Owns 75% or more of Aon Global Holdings Intermediaries LTD
Aon Global Holdings PLC
Control person · since January 2025
- Owns 75% or more of Aon Global Holdings PLC
Aon Global Limited
Control person · since January 2025
- Owns 75% or more of Aon Global Limited
Randolph Finance Unlimited Company
Control person · since January 2025
- Owns 75% or more of Randolph Finance Unlimited Company
Aon, PLC
Control person · since June 2014
Retirement Investment Advisors’ regulatory assets grew 1.6× from $960M (May 2021) to $1.49B (March 2026); clients rose from 1,243 to 1,431 and employees fell from 16 to 15.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $1.49B | 1,431 | 15 | 2 |
| March 2025 | $1.27B | 1,381 | 19 | 2 |
| May 2024 | $1.11B | 1,335 | 20 | 2 |
| June 2023 | $930M | 1,324 | 20 | 2 |
| March 2022 | $1.13B | 1,349 | 18 | 2 |
| May 2021 | $960M | 1,243 | 16 | 3 |
Besides its headquarters, Retirement Investment Advisors has 1 office, with 2 listed addresses in Oklahoma and Texas.
Oklahoma · 1 listed address
- 2925 United Founders BLVD, Oklahoma CityHQ
Texas · 1 listed address
- 9300 John Hickman Pkwy, Frisco
Contact and registration details
- Legal name
- Retirement Investment Advisors Inc
- Headquarters
- 2925 United Founders BLVD, Oklahoma City, OK 73112
- Website
- theretirementpath.com
- Phone
- 405-842-3443
- SEC file
- 801-43702
- Founded
- 1991
- Structure
- Oklahoma corporation
- Fiscal year end
- December
Retirement Investment Advisors uses SEI Investments Management ($1.48B) as custodian for its separately managed accounts. Retirement Investment Advisors has custody of $10.4M in client assets for 12 clients.
- SEI Investments ManagementSEI Investments Management Corp · Oaks, PA · $1.48B100%
At year end, Retirement Investment Advisors’ separately managed accounts were mostly in stocks (84%) and funds (14%). Its reported 13F holdings for the quarter ended 30 June 2026 total $1.4B across 66 positions; the largest are Vanguard Index Fds (22.2%), Vanguard Index Fds (20.4%) and iShares TR (14.7%).
What the accounts hold
- Stocks84%
- Funds14%
- Cash2%
Reported 13F holdings
- $1.4B
- Reported 13F value
- 66
- Positions
- 93.5%
- In the 10 largest
- +12.9%
- Value vs. prior quarter
- Vanguard Index Fds · Value ETF22.2%
- Vanguard Index Fds · Growth ETF20.4%
- iShares TR · Core MSCI Eafe14.7%
- Vanguard BD Index Fds · Intermed Term9.9%
- iShares Inc. · Core MSCI Emkt7.7%
- Vanguard Index Fds · SM CP Val ETF6.9%
- iShares TR · National Mun ETF4.1%
- Vanguard Charlotte Fds · Total Int BD ETF3.6%
- Blackrock ETF Trust · I Shares2.1%
- Vanguard Index Fds · Sml CP Grw ETF1.8%
Together, the ten largest are 93.5% of reported value.
How many clients does Retirement Investment Advisors have?
Retirement Investment Advisors has 1,431 clients and manages $1.49 billion for them, as of March 2026. They include 996 individual clients, 403 high-net-worth individuals and 18 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026
What services does Retirement Investment Advisors offer?
Retirement Investment Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, educational seminars, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Retirement Investment Advisors charge?
Retirement Investment Advisors charges up to 1.25% a year for its Advisory Service Agreement. The fee is billed in arrears, is negotiable and has a $1,500 annual minimum.
Source: RETIREMENT INVESTMENT ADVISORS, INC. ADV PART 2A, filed 23 March 2026
Which custodians does Retirement Investment Advisors use?
Retirement Investment Advisors’ separately managed account assets are held at SEI Investments Management Corp (Oaks, PA), with $1.48B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 March 2026
How many financial advisors does Retirement Investment Advisors have?
Retirement Investment Advisors has 0 investment adviser representatives registered with state securities authorities, out of 15 employees, and 8 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 Investment Advisors invest in?
At the end of its last fiscal year, Retirement Investment Advisors’ separately managed accounts held 84% exchange-traded equities, 14% registered funds (mutual funds, ETFs, BDCs) 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 Investment Advisors?
Retirement Investment Advisors is owned through a chain of holding companies by Aon, PLC. Its direct owners are NFP Corp (75% or more) and Randolph Acquisition Corp (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 23 March 2026
How does Retirement Investment Advisors get paid?
Retirement Investment Advisors is paid through a percentage of assets under management, hourly charges 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
Is Retirement Investment Advisors registered with the SEC?
Yes, Retirement Investment Advisors has been registered with the SEC as an investment adviser since 13 April 1993. Its CRD number is 106316 and its SEC file number is 801-43702.
Source: Form ADV Part 1A, Item 1, filed 23 March 2026; IAPD firm record
How do I contact Retirement Investment Advisors?
Retirement Investment Advisors’ main office is at 2925 United Founders BLVD, Oklahoma City, OK 73112. Its phone number is 405-842-3443. Its website is theretirementpath.com.