{"url":"https://nivawealth.com/firms/retirement-plans-286214","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/286214","regulatoryAum":224910818,"crd":"286214","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2706738","suffix":null,"lastName":"RITTER","firstName":"RICHARD","middleName":"THOMAS"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-03-30","regulatoryAum":188604587,"clients":154,"employees":5,"offices":1},{"filedOn":"2023-03-30","regulatoryAum":211004653,"clients":264,"employees":7,"offices":1},{"filedOn":"2024-03-26","regulatoryAum":244833362,"clients":289,"employees":4,"offices":1},{"filedOn":"2025-02-21","regulatoryAum":247867287,"clients":268,"employees":6,"offices":1},{"filedOn":"2026-03-16","regulatoryAum":224910818,"clients":278,"employees":6,"offices":1}],"secFileNumber":"801-123069","legalName":"Retirement Plans, Inc.","displayName":"Retirement Plans","slug":"retirement-plans-286214","website":null,"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_asset_manager","typeLabel":"Asset manager","feeDisclosure":"payment_only"},"linkedinUrl":"https://www.linkedin.com/company/retirement-plans-inc-/","founded":null,"organization":"Ohio corporation","fiscalYearEnd":"December","headquarters":{"street":"124 Dorchester Square, Suite B","city":"Westerville","state":"OH","stateName":"Ohio","country":"United States","postalCode":"43081"},"tradeNames":[],"registration":{"secApproved":"25 January 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":83983.425,"staff":{"employees":6,"advisory":1,"brokerDealerReps":0,"insuranceAgents":1,"promoters":6},"aum":{"regulatory":224910818,"discretionary":224910818,"discretionaryAccounts":278,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":200,"regulatoryAum":16796685},{"label":"Pension and profit-sharing plans","clients":78,"regulatoryAum":208114133}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Nationwide Trust Company FSB","shortName":"Nationwide Trust Company FSB","location":"Columbus, OH","smaAssets":30914996},{"name":"Transamerica Trust Company","shortName":"Transamerica Trust","location":"Baltimore, MD","smaAssets":80999789},{"name":"Reliance Trust Company","shortName":"Reliance Trust","location":"Atlanta, GA","smaAssets":39935174}],"custodyNote":"Retirement Plans does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Richard Ritter","title":"President/CCO","crd":"2706738"}],"ownership":[{"label":"Richard Ritter","detail":"President/cco in the 75% or more ownership band and a control person, since June 2011."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"124 Dorchester Square, Suite B","city":"Westerville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"614-339-1910","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":95},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"16 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/286214/PDF/286214.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Retirement Plans have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Plans offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Retirement Plans use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Plans have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Retirement Plans invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Retirement Plans?","answer":"Retirement Plans’ direct owner is Richard Ritter (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Plans get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Retirement Plans?","answer":"Retirement Plans’ main office is at 124 Dorchester Square, Suite B, Westerville, OH 43081. Its phone number is 614-339-1910.","source":"Form ADV Part 1A, Item 1.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}