Vision Retirement

Name

Vision Retirement

Legal name

Vision Retirement LLC

Website

https://visionretirement.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Retirement Planning and Fiduciary Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Tax-Aware Investment Planning (FSAEAAAE)

Keywords

• Retirement planning services
• Fiduciary investment advisory
• Financial planning services
• Wealth management advisory
• Tax preparation services

Headquarters

HQ city

Ridgewood

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. AUM-based Investment Management Fees: Fees assessed as a percentage of total assets under management. Automated Investing w/ Guidance charges 0.75% AUM with $1,000 minimum; Fiduciary Investment Management charges up to 1.25% AUM with $10,000 minimum.
2. Subscription / Membership: Annual membership tiers (Advice $895/yr, Planning $2,495/yr, VR 360 $3,995/yr) providing year-round planning and advice. Free for clients with qualifying AUM thresholds in fiduciary investment management accounts.
3. One-time Assessment Fees: Flat-fee one-time engagements: Second Opinion portfolio review at $295, Am I on Track retirement readiness assessment at $590, and Hourly Consulting at $295/hour.
4. Financial Planning: One-time comprehensive financial plan fee starting at $2,500 minimum, calculated at 0.10% of net worth.
5. Self-Directed Investing: Brokerage account with advisor oversight, charged per trade at $9 per trade with a $5,000 minimum investment.
6. Tax Preparation (via Advisor Tax Prep): Sister company Advisor Tax Prep charges $599 for individual federal and state tax returns (Form 1040, Schedules A and B), discounted to $450 for Vision Retirement clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Vision Retirement is an independent, fee-only fiduciary Registered Investment Advisor that provides retirement planning, investment management, financial planning, and integrated tax preparation services through CFP-credentialed advisors. Services are organized into one-time assessments (Second Opinion at $295 and Am I on Track at $590), three membership tiers (Advice, Planning, VR 360), three investment management solutions (Fiduciary, Automated via Betterment, and Self-Directed), and tax preparation via its sister company Advisor Tax Prep, with assets custodied at Fidelity or LPL Financial.

Product overview

Vision Retirement offers a modular retirement planning platform organized around assessment services, ongoing membership tiers, and investment management solutions. The core offering comprises one-time assessment products (Second Opinion at $295 and Am I on Track? at $590) that deliver personalized reports and scores, followed by optional ongoing engagement through three VR Circle Membership tiers (Advice at $895/year, Planning at $2,495/year, and VR 360 at $3,995/year). Investment management spans three options: Self-Directed w/Guidance (trade-based, $9/trade), Automated Investing w/Guidance/VR Robo (Betterment-powered, 0.75% AUM), and Fiduciary Investment Management (full-service, up to 1.25% AUM). Tax preparation is delivered through the acquired Advisor Tax Prep sister company ($450-$599). The firm also offers B2B employer and credit union partnership programs, all anchored by free 15-minute discovery calls and access to CFP professionals across all service levels.

Differentiator

Problem solved

Functional benefit

Brands

• VR Circle Membership: Year-round planning and advice membership with tiers: Advice ($895/year), Planning ($2,495/year), and VR 360 ($3,995/year).
• Fiduciary Investment Management
• Automated Investing w/Guidance (VR Robo)
• Self-Directed Investing w/Guidance
• Advisor Tax Prep

Products and services

• Second Opinion One-time portfolio review for DIY investors or those seeking unbiased professional review. A CFP professional reviews portfolio risks, returns, and fees and delivers a personalized report within about one week. $295 one-time fee with a $295 credit applied if the client selects planning or tax services within 30 days.
• Am I on Track? Comprehensive retirement-readiness assessment covering portfolio analysis, Social Security optimizer, 0-100 readiness score, cash flow and gap analysis, tax return review, and personal scorecard. Delivered within about two weeks for a $590 one-time fee.
• VR Circle Membership Annual membership providing year-round planning and advice from a CFP professional. Three tiers: Advice ($895/yr, DIY investors seeking ongoing CFP access), Planning ($2,495/yr, pre-retirees aged 50+), and VR 360 ($3,995/yr, comprehensive needs). Free for clients holding $250k+, $1M+, or $2M+ respectively in discretionary fiduciary investment management accounts.
• Fiduciary Investment Management Full ongoing discretionary investment management where a CFP professional actively manages the client's portfolio with continuous monitoring, tax-loss harvesting, quarterly reviews, and strategy adjustments. All-inclusive annual fee up to 1.25% of AUM with a $10,000 minimum investment.
• Automated Investing w/Guidance (VR Robo) Algorithm-driven investing with human CFP professional oversight, built on the Betterment platform. Designed for hands-off investors wanting a low-cost option. Annual fee of 0.75% of AUM with a $1,000 minimum investment.
• Self-Directed Investing w/Guidance Self-directed brokerage investing with financial advisor oversight for clients who want to place their own trades. $9 per trade with a $5,000 minimum investment to open an account.
• Financial Planning One-time comprehensive financial plan covering the client's entire financial life. Fee calculated at 0.10% of net worth with a $2,500 minimum; major life-change updates receive a 25% discount.
• Hourly Consulting Expert CFP guidance to address specific financial challenges on an hourly basis. Rate of $295/hour with no minimum time requirement.
• Tax Preparation (Advisor Tax Prep) Income tax filing and planning delivered through sister company Advisor Tax Prep. Covers individual federal and state tax returns including Form 1040, Schedules A and B. $599 standard, $450 discounted for Vision Retirement clients.
• Free Discovery Call Free 15-minute consultation with a CFP professional to assess best-fit recommendations. No sales pitch, no obligation.
• Credit Union Partnership Program Partnership program allowing credit unions to add investment and retirement planning services to their member offerings through a revenue-sharing model with monthly fees based on support level and membership size. Current partners include TEG Federal Credit Union and Proponent.
• Employer Partnership Program Employee benefit program providing ongoing access to CFP professionals at no cost and no administrative burden to the employer. Employees can engage on one-time reviews starting at $295 or ongoing services regardless of portfolio size or income.

Quantifiable outcome

• Retiree households headed by someone 65+ spend roughly $61,432/year on average (BLS Consumer Expenditure Survey cited in retirement planning guide)
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• TEG Federal Credit UnioncoreChannel Partner/ Reseller/ Distributor · 1 May 2022Partnership with TEG Federal Credit Union in Poughkeepsie, NY to offer investment and retirement planning services to credit union members. Vision Retirement provides CFP professional services while the credit union earns a monthly fee based on membership size and support level. The partnership includes ongoing promotion of educational events and content to members.
• Proponent (formerly TEG FCU employees)coreChannel Partner/ Reseller/ DistributorCurrent credit union partner alongside TEG Federal Credit Union, extending investment and retirement planning services to Proponent's member base through the same partnership model.
• Advisor Tax Prep (Sister Company)coreStrategic or Co-development PartnerSister company launched in 2023 to provide integrated income tax preparation alongside financial planning. In 2025, Vision Retirement acquired Leeds Accounting & Tax Services to deepen tax preparation capabilities. This enables coordinated tax and financial planning under one roof — one connected picture for clients.
• Leeds Accounting & Tax ServicescoreStrategic or Co-development PartnerAcquired by Vision Retirement in 2025 to deepen tax preparation capabilities and expand the integrated tax and financial planning offering. Works alongside Advisor Tax Prep to provide comprehensive tax services to clients.
• Fidelity InvestmentscoreTechnology or IntegrationOne of two independent custodians used by Vision Retirement to hold client assets in the client's name. Clients already at Fidelity can authorize Vision Retirement for advisory access without moving accounts — same account number, same statements, same login.
• LPL FinancialcoreTechnology or IntegrationOne of two independent custodians used by Vision Retirement to hold client assets in the client's name. Vision Retirement provides fiduciary investment management through its LPL platform (VRConnect). Clients already at LPL can authorize Vision Retirement for advisory access without moving accounts.
• Ridgewood Financial AdvisorsminorOthersParent company of Vision Retirement. Vision Retirement is a Ridgewood Financial Advisors company. Located at the same Ridgewood, NJ address.

Scale indicators2 records

Recent moves8 records

Expansion highlights3 records

Broad incumbents

• Carson Group: Large RIA and broker-dealer supporting affiliated advisors with technology, compliance, and investment platforms. Comparable in serving small and mid-sized advisory practices, though Carson operates a partner-network model while Vision Retirement is a single boutique firm.
• Mariner Wealth Advisors: Large national RIA providing wealth advisory, tax, estate, and retirement planning to high-net-worth and pre-retiree households. Comparable in its integrated financial planning + tax + investment management stack, but at much greater scale and broader service breadth.
• Edelman Financial Engines: Largest independent RIA in the US with deep retirement-plan participant focus (originating from the 401(k) advice space). Comparable in serving pre-retirees navigating decumulation decisions, but operates at vastly greater scale with corporate 401(k) advisory as a core channel.
• Creative Planning: One of the largest independent RIAs in the US, offering holistic financial planning, investment management, and tax services to affluent and pre-retiree households. Comparable in its integrated planning + tax positioning and fiduciary stance, but at vastly greater scale and national footprint.

Direct peers

• Sensible Money: Independent, fee-only retirement-focused RIA serving pre-retirees and retirees with flat-fee and AUM-based planning. Closely comparable to Vision Retirement in target market (sandwich generation), fee-only fiduciary model, and bundled planning + investment management offering.
• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based investment management and comprehensive financial planning for individuals and families. Comparable as a fee-only fiduciary RIA targeting pre-retirees, with similar fiduciary-first positioning and academic-style investment approach.
• Facet Wealth: Tech-enabled RIA offering flat-fee financial planning and investment management to mass-affluent and pre-retiree households nationwide. Highly comparable to Vision Retirement's accessible entry points ($295-style assessments and recurring membership), CFP-led advice, and B2B2C distribution via employer partnerships.

Others

• Betterment: Largest independent robo-advisor and the technology platform underlying Vision Retirement's Automated Investing w/Guidance product. Functions as both an infrastructure provider and a competitive threat — Betterment's direct-to-consumer robo and premium tier overlap with Vision Retirement's lower-cost offering.

Emerging players

• Boldin (formerly NewRetirement): DIY retirement planning software platform with an advisory tier that connects users to CFP professionals. Comparable target customer (pre-retirees) and overlapping retirement-readiness score / Social Security optimization tooling, though Boldin leans software-first versus Vision Retirement's advice-first model.
• Ellevest: Digital wealth management and financial planning platform combining robo-advisory and human advisors for women and mass-affluent investors. Comparable in its accessible fee structure, retirement planning focus, and mix of algorithm-driven and human-guided advice.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@VisionRetirement
• Facebookfacebook.com/VisionRetirement
• LinkedInlinkedin.com/company/visionretirement
• Instagraminstagram.com/vision_retirement

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vision Retirement