Retirement Investment Advisors

Retirement Investment Advisors, Inc. is a fee-only Registered Investment Advisory firm. As such, we receive no commissions from any recommendations we make. Our only source of compensation is from our clients. Therefore, when working with clients, we make sure we provide an appropriate level of services to develop a financial roadmap and investment portfolio that helps meet their specific objective. We have one goal...to help our clients make-well informed decisions in order to assist them in achieving their financial goals and objectives. We do have a confession to make. Our practice wasn't always independent, wasn't always fee-only, and didn't always use up-to-date investment research. We had to learn the hard way. When we entered the financial services industry in the early 1980's, we were green and didn't know any better. We counted ourselves fortunate to be trained by a national financial planning group. After all, it was a national firm. They touted they were client-driven, not product-driven. Sounded great and in that time honored tradition, we were schooled to sell financial plans that were really (we found out later) designed to "sell" the company's product. In fact, almost 95% of our compensation was based on the company's products sold. Also, in this type of compensation, it didn't matter how well the client did. We were a little green but it didn't seem very client-driven to us. So we left the big company and went out on our own to be independent. We wanted the freedom to recommend whatever product was truly appropriate for the client. From there, we transitioned from a commission-based business to a fee-only practice. It seemed to us that if we truly believed in what we were doing, we should be on the clients' side of the table. In other words, to charge a fee...a fee received from the client and not the companies. In this form of arrangement, we typically prosper when our clients prosper and we typically suffer when they suffer.