Retirement Plans provides portfolio management for individuals and small businesses, pension consulting, and educational seminars.
Retirement Plans reports 278 clients. They include 200 individuals and 78 pension and profit-sharing plans. Of its assets, 100.0% ($225M across 278 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 72% | 7% |
| Pension and profit-sharing plans | 28% | 93% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 200 | $16.8M | 7.5% | $84K |
| Pension and profit-sharing plans | 78 | $208M | 92.5% | $2.67M |
| Total | 278 | $225M | 100% | $809K |
- Clients
- 200
- Regulatory AUM
- $16.8M
- AUM share
- 7.5%
- Avg. per client
- $84K
- Clients
- 78
- Regulatory AUM
- $208M
- AUM share
- 92.5%
- Avg. per client
- $2.67M
Total
- Clients
- 278
- Regulatory AUM
- $225M
- AUM share
- 100%
- Avg. per client
- $809K
- 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
- 0
Retirement Plans is paid through a percentage of assets under management; its fees and minimums are set out in its brochures on the SEC website.
Richard Ritter owns 75% or more of Retirement Plans. The leadership team of Retirement Plans includes President Richard Ritter. It has 6 employees, 1 of them in advisory roles.
Leadership
- Richard RitterPresident/CCO
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
- Richard Thomas Ritter
Staff
- 6 employees
- 1 in advisory functions
- 1 state-registered rep
- 1 insurance agent
- 6 soliciting firms
- Owns 75% or more of Retirement Plans, Inc.
Richard Ritter
Control person · since June 2011
Retirement Plans’ regulatory assets grew from $189M (March 2022) to $225M (March 2026); clients rose from 154 to 278 and employees from 5 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $225M | 278 | 6 | 1 |
| February 2025 | $248M | 268 | 6 | 1 |
| March 2024 | $245M | 289 | 4 | 1 |
| March 2023 | $211M | 264 | 7 | 1 |
| March 2022 | $189M | 154 | 5 | 1 |
Besides its headquarters, Retirement Plans has 0 offices, with 1 listed address in Ohio.
Ohio · 1 listed address
- 124 Dorchester Square, Suite B, WestervilleHQ
Contact and registration details
- Legal name
- Retirement Plans, Inc.
- Headquarters
- 124 Dorchester Square, Suite B, Westerville, OH 43081
- Website
- Not reported
- Phone
- 614-339-1910
- @retirement-plans-inc-
- SEC file
- 801-123069
- Structure
- Ohio corporation
- Fiscal year end
- December
Retirement Plans uses Transamerica Trust ($81M, 53%), Reliance Trust ($39.9M, 26%) and Nationwide Trust Company FSB ($30.9M, 20%) as custodians for its separately managed accounts. Retirement Plans does not have custody of client assets.
- Nationwide Trust Company FSBNationwide Trust Company FSB · Columbus, OH · $30.9M20%
- Transamerica TrustTransamerica Trust Company · Baltimore, MD · $81M53%
- Reliance TrustReliance Trust Company · Atlanta, GA · $39.9M26%
At year end, Retirement Plans’ separately managed accounts were mostly in stocks (95%).
What the accounts hold
- Stocks95%
- Cash5%
How many clients does Retirement Plans have?
Retirement Plans has 278 clients and manages $225 million for them, as of March 2026. They include 200 individuals and 78 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026
What services does Retirement Plans offer?
Retirement Plans provides 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 Plans use?
Retirement Plans’ separately managed account assets are held at Transamerica Trust Company (Baltimore, MD), with $81M, Reliance Trust Company (Atlanta, GA), with $39.9M and Nationwide Trust Company FSB (Columbus, OH), with $30.9M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026
How many financial advisors does Retirement Plans have?
Retirement Plans has 1 investment adviser representative registered with state securities authorities, out of 6 employees, and 1 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Retirement Plans invest in?
At the end of its last fiscal year, Retirement Plans’ separately managed accounts held 95% exchange-traded equities and 5% 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 Plans?
Retirement Plans’ direct owner is Richard Ritter (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 16 March 2026
How does Retirement Plans get paid?
Retirement Plans is paid through a percentage of assets under management. 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 Plans?
Retirement Plans’ main office is at 124 Dorchester Square, Suite B, Westerville, OH 43081. Its phone number is 614-339-1910.