Retirement Resources Investment provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers. Financial planning was provided to 26–50 clients last fiscal year.
Retirement Resources Investment reports 152 clients. They include 73 individual clients, 48 high-net-worth individuals, and 31 pension and profit-sharing plans. Of its assets, 6.0% ($146M across 216 accounts) are managed with discretion; $2.3B across 83 accounts are not. A wrap fee program the firm both sponsors and manages holds $146M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 48% | 1% |
| High-net-worth individuals | 32% | 5% |
| Pension and profit-sharing plans | 20% | 93% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 73 | $28.3M | 1.2% | $387K |
| High-net-worth individuals | 48 | $131M | 5.4% | $2.73M |
| Pension and profit-sharing plans | 31 | $2.28B | 93.4% | $73.7M |
| Charitable organizations | Fewer than 5 | $54.4K | 0.0% | — |
| Corporations and other businesses | Fewer than 5 | $626K | 0.0% | — |
| Total | 152 | $2.44B | 100% | — |
- Clients
- 73
- Regulatory AUM
- $28.3M
- AUM share
- 1.2%
- Avg. per client
- $387K
- Clients
- 48
- Regulatory AUM
- $131M
- AUM share
- 5.4%
- Avg. per client
- $2.73M
- Clients
- 31
- Regulatory AUM
- $2.28B
- AUM share
- 93.4%
- Avg. per client
- $73.7M
- Clients
- Fewer than 5
- Regulatory AUM
- $54.4K
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $626K
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 152
- Regulatory AUM
- $2.44B
- AUM share
- 100%
- Avg. per client
- —
- 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
- 26–50
Retirement Resources Investment is paid through a percentage of assets under management and hourly charges; its fees and minimums are set out in its brochures on the SEC website.
Patrick McGinn owns 75% or more of Retirement Resources Investment. The leadership team of Retirement Resources Investment includes President Patrick McGinn. It has 7 employees, 2 of them in advisory roles.
Leadership
- Patrick McGinnPresident and Chief Compliance Officer
- James PhillipsVice President
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- Patrick P McGinn
- James Franklin Phillips
Staff
- 7 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Retirement Resources Investment Corporation
Patrick McGinn
Control person · since March 2022
Retirement Resources Investment’s regulatory assets grew 1.9× from $1.28B (March 2021) to $2.44B (April 2026); clients rose from 123 to 152 and employees from 5 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $2.44B | 152 | 7 | 1 |
| April 2025 | $1.99B | 152 | 7 | 1 |
| May 2024 | $1.67B | 141 | 7 | 1 |
| March 2023 | $1.36B | 136 | 7 | 1 |
| March 2022 | $1.49B | 146 | 5 | 1 |
| March 2021 | $1.28B | 123 | 5 | 1 |
Besides its headquarters, Retirement Resources Investment has 0 offices, with 1 listed address in Massachusetts.
Massachusetts · 1 listed address
- 10 New England Business Center Drive, Suite 107, AndoverHQ
Contact and registration details
- Legal name
- Retirement Resources Investment Corporation
- Headquarters
- 10 New England Business Center Drive, Suite 107, Andover, MA 01810
- Website
- retirewithmore.com
- Phone
- 978-536-9000
- SEC file
- 801-64658
- Structure
- Massachusetts corporation
- Fiscal year end
- December
Retirement Resources Investment uses Fidelity ($1.23B, 60%) and Ascensus Financial Services ($814M, 40%) as custodians for its separately managed accounts. Retirement Resources Investment does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $1.23B60%
- Ascensus Financial ServicesAscensus Financial Services, LLC. · Dresher, PA · $814M40%
At year end, Retirement Resources Investment’s separately managed accounts were mostly in funds (96%).
What the accounts hold
- Stocks3%
- Funds96%
- Bonds1%
How many clients does Retirement Resources Investment have?
Retirement Resources Investment has 152 clients and manages $2.44 billion for them, as of April 2026. They include 73 individual clients, 48 high-net-worth individuals, and 31 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 28 April 2026
What services does Retirement Resources Investment offer?
Retirement Resources Investment provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Retirement Resources Investment use?
Retirement Resources Investment’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $1.23B and Ascensus Financial Services, LLC. (Dresher, PA), with $814M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 April 2026
How many financial advisors does Retirement Resources Investment have?
Retirement Resources Investment has 2 investment adviser representatives registered with state securities authorities, out of 7 employees, and 2 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 Resources Investment invest in?
At the end of its last fiscal year, Retirement Resources Investment’s separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Retirement Resources Investment?
Retirement Resources Investment’s direct owner is Patrick McGinn (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 28 April 2026
How does Retirement Resources Investment get paid?
Retirement Resources Investment is paid through a percentage of assets under management and hourly charges. 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 Resources Investment?
Retirement Resources Investment’s main office is at 10 New England Business Center Drive, Suite 107, Andover, MA 01810. Its phone number is 978-536-9000. Its website is retirewithmore.com.