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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Investment Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Retirement Investment Advisors charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Retirement Investment Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Investment Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Retirement Investment Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Retirement Investment Advisors?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Investment Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Retirement Investment Advisors registered with the SEC?","answer":"Yes, Retirement Investment Advisors has been registered with the SEC as an investment adviser since 13 April 1993. 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Form ADV filings on the dates in `sources`. 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