{"url":"https://nivawealth.com/firms/retirement-strategies-163701","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/163701","regulatoryAum":272729463,"crd":"163701","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2154762","suffix":null,"lastName":"Foster","firstName":"Jeffrey","middleName":"R"},{"crd":"8214584","suffix":null,"lastName":"Leeper","firstName":"Nicholas","middleName":"Walter"},{"crd":"2278697","suffix":null,"lastName":"LINDNER","firstName":"JAMES","middleName":"A"},{"crd":"6680690","suffix":null,"lastName":"Quilter","firstName":"Nathan","middleName":"Patrick"},{"crd":"1049006","suffix":null,"lastName":"Snyder","firstName":"Jerry","middleName":null}],"total":5,"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":"2021-03-17","regulatoryAum":155469924,"clients":345,"employees":7,"offices":1},{"filedOn":"2022-07-13","regulatoryAum":186460205,"clients":356,"employees":7,"offices":1},{"filedOn":"2023-06-07","regulatoryAum":173767064,"clients":376,"employees":7,"offices":1},{"filedOn":"2024-02-09","regulatoryAum":205643016,"clients":382,"employees":7,"offices":1},{"filedOn":"2025-06-13","regulatoryAum":242909171,"clients":415,"employees":9,"offices":1},{"filedOn":"2026-04-01","regulatoryAum":272729463,"clients":419,"employees":10,"offices":1}],"secFileNumber":"801-112738","legalName":"Retirement Strategies, LTD.","displayName":"Retirement Strategies","slug":"retirement-strategies-163701","website":"https://retirementstrategies.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"5060 Parkcenter Ave., Suite A","city":"Dublin","state":"OH","stateName":"Ohio","country":"United States","postalCode":"43017"},"tradeNames":[],"registration":{"secApproved":"2 April 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":643115.3082524271,"staff":{"employees":10,"advisory":5,"brokerDealerReps":1,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":272729463,"discretionary":266012653,"discretionaryAccounts":997,"nonDiscretionary":6716810,"nonDiscretionaryAccounts":6,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":90},"clientTypes":[{"label":"Individuals (other than HNW)","clients":337,"regulatoryAum":118780347},{"label":"High-net-worth individuals","clients":75,"regulatoryAum":146183160},{"label":"Pension and profit-sharing plans","clients":4,"fewerThan5":true,"regulatoryAum":3065577},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":839233},{"label":"Corporations and other businesses","clients":2,"regulatoryAum":3861146}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management","feeBasis":"marginal","fee_tiers":[{"to":100000,"pct":1.2,"from":0},{"to":250000,"pct":0.95,"from":100000},{"to":500000,"pct":0.85,"from":250000},{"to":750000,"pct":0.7,"from":500000},{"to":1250000,"pct":0.6,"from":750000},{"to":2250000,"pct":0.5,"from":1250000},{"to":null,"pct":0.4,"from":2250000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010219","versionId":1010219,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-19","documentName":"ADV PART 2A - FIRM BROCHURE","fee_rate_low":0.4,"fee_rate_high":1.2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Employee Benefit Plan Consulting","summary":"Annual fee of up to 0.50% of the plan assets under advisement, due quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010219","versionId":1010219,"submittedOn":"2026-02-19","documentName":"ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Employer Savings Plan Monitoring","summary":"Flat annual fee generally $250 to $2,500, based on the scope and complexity of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010219","versionId":1010219,"submittedOn":"2026-02-19","documentName":"ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Financial Planning and Consulting","summary":"Flat fee generally $750 to $5,000 for comprehensive planning and consulting; Wealth Builder Plan $350 to $500 flat or $150 to $300 per hour; fees are negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010219","versionId":1010219,"submittedOn":"2026-02-19","documentName":"ADV PART 2A - FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:31:39.069448+00:00","documents":[{"name":"ADV PART 2A - FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010219","versionId":1010219,"submittedOn":"2026-02-19"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":269663886}],"custodyNote":"Retirement Strategies does not have custody of client assets.","leadership":[{"name":"Jeffrey Foster","title":"Chief Compliance Officer/Partner","crd":"2154762"},{"name":"James Lindner","title":"Managing Member/Partner","crd":"2278697"}],"ownership":[{"label":"James Lindner","detail":"Managing member/partner in the 75% or more ownership band and a control person, since July 2012."},{"label":"Jeffrey Foster","detail":"Chief compliance officer/partner in the 10% to 25% ownership band and a control person, since July 2012."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"5060 Parkcenter Ave., Suite A","city":"Dublin","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"614-799-8668","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Publication of periodicals or newsletters","Educational seminars/workshops"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":86},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"1 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/163701/PDF/163701.pdf","brochureDate":"19 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010219","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Retirement Strategies have?","answer":"Retirement Strategies has 419 clients and manages $273 million for them, as of April 2026. They include 337 individual clients, 75 high-net-worth individuals, and 4 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Strategies offer?","answer":"Retirement Strategies provides financial planning, portfolio management for individuals and small businesses, pension consulting, publishing newsletters, 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":"How much does Retirement Strategies charge?","answer":"Retirement Strategies charges 0.40%–1.20% a year for its Comprehensive Portfolio Management. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"ADV PART 2A - FIRM BROCHURE, filed 19 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Retirement Strategies use?","answer":"Retirement Strategies’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $270M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Strategies have?","answer":"Retirement Strategies has 5 investment adviser representatives registered with state securities authorities, out of 10 employees, and 5 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 2 employees are 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 Strategies invest in?","answer":"At the end of its last fiscal year, Retirement Strategies’ separately managed accounts held 86% registered funds (mutual funds, ETFs, BDCs), 6% cash and equivalents, 4% exchange-traded equities, 2% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.","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 Strategies?","answer":"Retirement Strategies’ direct owners are James Lindner (75% or more) and Jeffrey Foster (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Strategies get paid?","answer":"Retirement Strategies 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 Strategies registered with the SEC?","answer":"Yes, Retirement Strategies has been registered with the SEC as an investment adviser since 2 April 2018. Its CRD number is 163701 and its SEC file number is 801-112738.","source":"Form ADV Part 1A, Item 1, filed 1 April 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Retirement Strategies?","answer":"Retirement Strategies’ main office is at 5060 Parkcenter Ave., Suite A, Dublin, OH 43017. Its phone number is 614-799-8668. Its website is retirementstrategies.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 April 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."}