The Retirement Guys Formula provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 51–100 clients last fiscal year.
The Retirement Guys Formula reports 1,155 clients. They include 1,122 individual clients, 30 high-net-worth individuals, and 2 corporations and other businesses. Of its assets, 100.0% ($277M across 1,861 accounts) are managed with discretion. It advised 17 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 97% | 81% |
| High-net-worth individuals | 3% | 19% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,122 | $224M | 80.8% | $199K |
| High-net-worth individuals | 30 | $52.3M | 18.9% | $1.74M |
| Charitable organizations | 1 | $328K | 0.1% | $328K |
| Corporations and other businesses | 2 | $507K | 0.2% | $253K |
| Total | 1,155 | $277M | 100% | $240K |
- Clients
- 1,122
- Regulatory AUM
- $224M
- AUM share
- 80.8%
- Avg. per client
- $199K
- Clients
- 30
- Regulatory AUM
- $52.3M
- AUM share
- 18.9%
- Avg. per client
- $1.74M
- Clients
- 1
- Regulatory AUM
- $328K
- AUM share
- 0.1%
- Avg. per client
- $328K
- Clients
- 2
- Regulatory AUM
- $507K
- AUM share
- 0.2%
- Avg. per client
- $253K
Total
- Clients
- 1,155
- Regulatory AUM
- $277M
- AUM share
- 100%
- Avg. per client
- $240K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 17
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
The Retirement Guys Formula charges 1.00%–2.00% a year for its Asset Management Fees. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Typically $1,000 for the first year and $500 for each successive year, or $350 per hour if paid hourly; fees are negotiable and depend on the complexity of the plan.
Nolan Baker owns 75% or more of The Retirement Guys Formula. It has 7 employees.
Staff
- 7 employees
- 7 in advisory functions
- 7 state-registered reps
- 5 broker-dealer reps
- 7 insurance agents
- 3 soliciting firms
- Owns 75% or more of The Retirement Guys Formula LLC
Nolan Baker
Control person · since August 2013
The Retirement Guys Formula’s regulatory assets grew 1.9× from $148M (May 2021) to $277M (September 2026); clients rose from 732 to 1,155 and employees fell from 11 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $277M | 1,155 | 7 | 4 |
| Feb 2025February 2025 | $301M | 1,201 | 10 | 7 |
| May 2024May 2024 | $250M | 1,135 | 13 | 7 |
| Mar 2023March 2023 | $201M | 985 | 12 | 6 |
| Jun 2022June 2022 | $188M | 845 | 13 | 6 |
| May 2021May 2021 | $148M | 732 | 11 | 8 |
Besides its headquarters, The Retirement Guys Formula has 3 offices, with 4 listed addresses in 1 state.
Ohio · 4 listed addresses
- 1700 Woodlands Drive, MaumeeHQ
- 5630 Main Street, Sylvania
- 2010 Madison Road, Cincinnati
- 6784 Loop Road, Dayton
Other business names
The Retirement Guys Formula has reported 3 other business names to the SEC.
- America'S Retirement Headquarters
- Bull Moose Retirement
- Eisert Wealth Management
Contact and registration details
- Legal name
- The Retirement Guys Formula LLC
- Headquarters
- 1700 Woodlands Drive, Maumee, OH 43537
- Website
- retirementguysformula.com
- Phone
- 419-842-0550
- SEC file
- 801-119086
- Structure
- Ohio LLC
- Fiscal year end
- December
The Retirement Guys Formula’s named custodian for separately managed accounts is Charles Schwab ($277M). The Retirement Guys Formula has custody of $69M for 319 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $277M100%
At year end, The Retirement Guys Formula’s separately managed accounts were mostly in funds (52%) and stocks (42%). Its reported 13F holdings for the quarter ended 30 June 2026 total $266M across 158 positions; the largest are J P Morgan Exchange Traded F (5.8%), Listed Fds TR (3.0%) and Invesco Qqq TR (2.5%).
What the accounts hold
- Stocks42%
- Funds52%
- Bonds3%
- Cash6%
How many clients does The Retirement Guys Formula have?
The Retirement Guys Formula has 1,155 clients and manages $277 million for them, as of September 2026. They include 1,122 individual clients, 30 high-net-worth individuals, and 2 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 8 September 2026
What services does The Retirement Guys Formula offer?
The Retirement Guys Formula provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does The Retirement Guys Formula charge?
The Retirement Guys Formula charges 1.00%–2.00% a year for its Asset Management Fees. The fee is billed in advance and is negotiable.
Which custodians does The Retirement Guys Formula use?
The Retirement Guys Formula’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $277M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 8 September 2026
How many financial advisors does The Retirement Guys Formula have?
The Retirement Guys Formula has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 7 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
What does The Retirement Guys Formula invest in?
At the end of its last fiscal year, The Retirement Guys Formula’s separately managed accounts held 52% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities, 6% cash and equivalents and 3% 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
Who owns The Retirement Guys Formula?
The Retirement Guys Formula’s direct owner is Nolan Baker (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 8 September 2026
How does The Retirement Guys Formula get paid?
The Retirement Guys Formula is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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 The Retirement Guys Formula?
The Retirement Guys Formula’s main office is at 1700 Woodlands Drive, Maumee, OH 43537. Its phone number is 419-842-0550. Its website is retirementguysformula.com.