Retirement Planning Group

What Retirement Planning Group does

Retirement Planning Group, LLC is a privately held Registered Investment Advisor (RIA) headquartered in Malta, New York, with branch offices in Albany, Oneonta, and East Syracuse. The firm provides personalized investment advisory, retirement planning, and related financial planning services — including estate and tax planning, insurance needs assessment, and Social Security optimization — to individuals and families approaching or in retirement. Service delivery follows a documented four-step process (Initial Discovery, Personalized Plan, Collaborative Implementation, Ongoing Review) anchored on strategic asset allocation models customized to each client's circumstances, goals, and opportunities.

The firm operates no proprietary technology platform. Its technology stack relies on third-party providers: FMG Suite for website content management, digital marketing, and client communication infrastructure, and Riskalyze for investment risk assessment embedded in the client onboarding workflow. The firm supplements its advisory offering with educational content assets, including the weekly RPG Radio Show hosted by David Kopyc, a broad resource library of articles, infographics, and videos, and a suite of online financial calculators spanning retirement, investment, estate, insurance, tax, and lifestyle topics.

Retirement Planning Group generates revenue as a fee-based RIA through advisory fees assessed on client assets under management. Specific fee schedules, AUM figures, and minimums are not publicly disclosed; clients are directed to the firm's Form ADV Part 2A. Client acquisition is sales-led and relationship-driven, sourced through radio show listenership, educational seminars, online calculators and risk assessments, the resource library, and direct outreach via website contact forms and referrals. The firm is SEC-registered (CRD #310647), maintains state-level licensing, and provides investment advisory services nationally from a New York operating base, with no parent company, institutional ownership, or funding rounds disclosed.

Name

Retirement Planning Group

Legal name

Retirement Planning Group, LLC

Website

https://rpgretire.com

Company type

Private

Operating status

Operating

Short description

Retirement Planning Group is a New York-based Registered Investment Advisor offering personalized retirement planning, investment management, estate/tax planning, and insurance services for individuals and families approaching or in retirement across four upstate NY branch offices.

Ownership category

akta.pro rank

Product category

Investment Advisory & Retirement Planning Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI), Estate & Legacy Planning Advisory (FSAEAAAG), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retirement planning services
• Investment advisory
• Wealth management
• Financial planning
• Estate and tax planning

Headquarters

HQ city

Saratoga Springs

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Retirement Planning Group operates as a fee-based Registered Investment Advisor (RIA) providing individualized investment advisory and related financial planning services. The firm renders responses to persons in particular states only after complying with applicable regulatory requirements, or pursuant to state exemptions. Revenue is generated through advisory fees assessed on client assets under management.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Retirement Planning Group is a fee-based Registered Investment Advisor providing personalized investment management using strategic asset allocation models, alongside comprehensive financial planning, estate and tax planning support, insurance needs assessment, and Social Security optimization for individuals and families approaching or in retirement. Services are delivered through a structured four-step process (Initial Discovery, Personalized Plan, Collaborative Implementation, Ongoing Review) and supported by the RPG Radio Show, an online resource library, and financial calculators.

Product overview

Retirement Planning Group is a Registered Investment Advisor offering a unified service model centered on personalized investment advisory and financial planning. The core offering is investment management using strategic asset allocation, supported by financial planning services. The firm provides supplementary educational resources including the RPG Radio Show, a comprehensive resource center with articles and videos, and a suite of financial planning calculators covering retirement, investment, estate, insurance, tax, and lifestyle topics. The overall portfolio is delivered as an integrated advisory service rather than discrete technology products or modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Advisory Services Personalized investment management services using strategic asset allocation models, customized to individual client circumstances, goals, and opportunities. Targeted at individuals and families approaching or in retirement.
• Financial Planning Comprehensive financial planning services helping individuals and families build, protect, and simplify their financial future with personalized planning and trusted guidance, covering retirement, estate, tax, insurance, and Social Security considerations.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Emerging players

• Betterment: Digital-first RIA offering automated retirement planning, IRAs, and goal-based investment management. Competes for the same retirement-focused individual segment as RPG at lower price points with a digital-only model.
• Empower (Personal Capital): Digital wealth platform combining robo-tools with human advisory for retirement, investment, and cash management. Targets the same affluent retirement-age demographic as RPG with a hybrid technology-led model.

Direct peers

• Fisher Investments: Large private RIA focused on personalized investment management and retirement/income planning for individuals and families. Directly comparable service mix (managed portfolios, retirement focus, fee-based RIA model) at a substantially larger scale.
• Edelman Financial Engines: Large RIA specializing in retirement plan participant advice, managed accounts, and retirement income planning. Highly comparable retirement-centric service model and RIA structure.
• Carson Wealth (Carson Group): RIA focused on personalized wealth management and retirement planning for individuals and families, with a multi-office regional branch model similar to RPG's upstate NY footprint.
• Mariner Wealth Advisors: National fee-only RIA offering investment advisory, retirement, estate, tax, and insurance planning to individuals and families. Directly comparable service breadth and fee-based RIA structure.
• Creative Planning: Large fee-only RIA offering comprehensive wealth, retirement, estate, tax, and insurance planning to individuals and families. Closely aligned service suite, fee-based RIA model, and emphasis on personalized planning make it a strong direct comparison.

Broad incumbents

• Commonwealth Financial Network: Large independent broker-dealer and RIA support platform serving thousands of individual financial advisors. Comparable in supporting independent advisors offering retirement, investment, and insurance services, but at an incumbent scale.
• Vanguard Personal Advisor Services: Vanguard's hybrid robo-advisor + human advisor service offering retirement planning and managed accounts. Directly competes for the same retirement-focused client segment but at vastly larger scale and with a hybrid digital model.
• Charles Schwab Wealth Advisory: Incumbent wealth advisory arm of Charles Schwab offering personalized retirement and investment planning as part of a much broader retail brokerage and asset management platform. Overlaps with RPG in retirement-focused managed-account advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/rpgretire

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Retirement Planning Group