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Top Retirement Planning Services Firms

Saving for retirement and spending in retirement are different problems. Retirement planning services firms build the income plan: when to claim Social Security, whether to take a pension as a lump sum, how to sequence withdrawals across taxable, tax-deferred and Roth accounts, and how to handle required minimum distributions. Business owners, physicians, attorneys and federal employees hire them as retirement nears, after selling a company, or when an employer offers a buyout.

Compare retirement planners here by how they are paid and whether they act as fiduciaries. A fee-only adviser, a commission-based agent and an asset manager can give very different advice on the same annuity or rollover, so filter for the model you trust first.

How this list is built

We evaluate companies on verified profile data: services, pricing, locations, and portfolio. Client reviews are being collected. We may earn a fee for some placements. How we rank and verify

List of the Best Retirement Planning Services Agencies

  1. Twenty Twenty Investment Advisors logo
    Twenty Twenty Investment Advisors
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    Twenty Twenty Investment Advisors, LLC is an independent Registered Investment Advisor that operates on a fee-only basis and specializes in retirement coaching. By emphasizing Modern Portfolio Theory and academic research from prominent economists, they design globally diversified portfolios aimed a

    Highlights

    2-9

    Employees

    Spokane, Washington, Us

    Services Provided
    60% Financial Advisory & Consulting
    40% Retirement Planning Services
    AI Summary

    “Twenty Twenty Investment Advisors is a fee-only independent firm specializing in retirement coaching and globally diversified portfolios using Modern Portfolio Theory and academic research for optimized returns.”

  2. Goldstone Financial Group logo
    Goldstone Financial Group
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    Goldstone Financial Group is undoubtedly the top choice for anyone looking to achieve financial independence in retirement. Their primary goal is to provide guidance to individuals who are unsure how to maximize their retirement savings. With a team of highly experienced and knowledgeable investment

    Highlights

    250-999

    Employees

    Oakbrook Terrace, Illinois, Us

    Services Provided
    49% Wealth Management
    35% Retirement Planning Services
    16% Asset Management Services
    AI Summary

    “Goldstone Financial Group offers expert retirement planning, asset protection, and income strategies, leveraging experienced advisors to help clients optimize savings and achieve financial independence.”

  3. Federal Pension Advisors logo
    Federal Pension Advisors
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    Federal Pension Advisors is a dedicated financial advisory platform focused on assisting U.S. federal employees and retirees in understanding the intricacies of federal benefits, pensions, retirement planning, investment strategies, and financial security. The site links federal workers with indepen

    Highlights

    $10,000+

    Min Project Size

    < $25/hr

    Avg Hourly Rate

    10-49

    Employees

    Services Provided
    70% Financial Planning
    30% Retirement Planning Services
    AI Summary

    “Federal Pension Advisors connects U.S. federal employees and retirees with certified experts, providing guidance on pensions, retirement planning, benefits, investments, and financial security within government systems.”

  4. Hardy Reed, LLC logo
    Hardy Reed, LLC
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    Hardy Reed, LLC is an independent firm that offers investment advisory, fiduciary consulting, and retirement plan services, focused on providing Objective Fiduciary Guidance. We are a Registered Investment Advisor (RIA) serving clients across the United States. Our experienced team delivers unbiased

    Highlights

    10-49

    Employees

    Services Provided
    70% Financial Advisory & Consulting
    30% Retirement Planning Services
    AI Summary

    “Hardy Reed, LLC is a SEC-registered investment advisor providing unbiased fiduciary consulting and retirement plan services to high-net-worth individuals and institutional clients nationwide.”

  5. J. Martin Wealth Management logo
    J. Martin Wealth Management
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    Jeff is a committed fiduciary financial advisor and the founder of J. Martin Wealth Management, a fee-based financial planning and wealth management firm with locations in Chandler, Gilbert, Maricopa, and Tucson, Arizona. With more than 15 years of experience in the financial services sector, Jeff h

    Highlights

    $250,000+

    Min Project Size

    $150+/hr

    Avg Hourly Rate

    2-9

    Employees

    Chandler, Arizona, Us

    Services Provided
    39% Financial Planning
    30% Retirement Planning Services
    20% Financial Advisory & Consulting
    11% Tax Planning
    AI Summary

    “J. Martin Wealth Management, led by fiduciary advisor Jeff Martin, offers comprehensive fee-based financial planning and wealth management services across Arizona, focusing on retirement, investment, and tax planning.”

  6. Fintechzoom Pro logo
    Fintechzoom Pro
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    FinTechZoom Pro provides financial services such as tax consulting, loan assistance, and retirement planning to guide clients in making informed financial choices.

    Highlights

    10-49

    Employees

    Conway, Arkansas, Us

    Services Provided
    40% Tax Consulting
    30% Loan Brokerage Services
    30% Retirement Planning Services
    AI Summary

    “FinTechZoom Pro offers comprehensive financial services including tax consulting, loan assistance, and retirement planning, supporting clients in informed and strategic financial decision-making.”

  7. Magna Reverse logo
    Magna Reverse
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    Achieve financial stability; we are dedicated to assisting you in reaching your retirement goals through our hard work.

    Highlights

    $5,000+

    Min Project Size

    $50-99/hr

    Avg Hourly Rate

    10-49

    Employees

    Services Provided
    50% Financial Advisory & Consulting
    30% Retirement Planning Services
    20% Business Consulting Services
    AI Summary

    “Magna Reverse provides financial advising focused on reverse mortgages and retirement planning, helping clients achieve financial stability and reach their retirement goals through expert wealth management.”

  8. G
    Green Benefits Group - an Acera Insurance Company
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    Welcome to Green Benefits Group, part of Acera Insurance Company. Our headquarters are based in Burlington, Ontario. We believe that our unique approach to employee benefits, retirement planning, and personal financial guidance sets us apart from other advisory firms. Through our national networks,

    Highlights

    50-249

    Employees

    Services Provided
    50% Employee Benefits Consulting
    30% Retirement Planning Services
    20% Financial Advisory & Consulting
    AI Summary

    “Green Benefits Group, part of Acera Insurance, offers cost-effective employee benefits, retirement planning, and financial guidance nationwide, ensuring optimal and adaptable solutions for businesses.”

  9. Great-West logo
    Great-West
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    With over a century of experience, Great-West is dedicated to providing secure financial futures for millions of Americans. We offer a variety of financial products and services, including retirement savings options, life insurance for individuals, banks, and businesses, as well as individual annuit

    Highlights

    50-249

    Employees

    Greenwood Village, Colorado, Us

    Services Provided
    69% Financial Advisory & Consulting
    20% Retirement Planning Services
    11% Insurance Services
    AI Summary

    “Great-West Financial offers secure retirement savings, life insurance, and annuities, leveraging over a century of experience and strong financial stability to serve diverse clients.”

  10. Davenport & Associates logo
    Davenport & Associates
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    Davenport & Associates is a reliable wealth management and retirement planning firm located in Norwalk, CT, and serves clients across the country. With over 30 years of experience, our independent advisors assist retiring Americans and families in optimizing retirement income, investigating tax-effi

    Highlights

    $1,000+

    Min Project Size

    $150+/hr

    Avg Hourly Rate

    2-9

    Employees

    Norwalk, Connecticut, Us

    Services Provided
    59% Wealth Management
    21% Retirement Planning Services
    20% Estate Planning Services
    AI Summary

    “Davenport & Associates provides expert wealth management, retirement, and estate planning nationwide, offering tailored strategies including trusts, wills, and tax-efficient retirement income solutions.”

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Buyer's guide

Hiring Retirement Planning Services companies

What the work covers, how to judge a partner and what drives the price.

What retirement planning firms do for clients

A planning engagement begins with data gathering: account statements, pension and benefit summaries, Social Security estimates, tax returns and expected spending. The planner models cash flow year by year, stress-tests it against market drops and longer lifespans, and recommends claiming ages, withdrawal order, Roth conversion amounts and insurance coverage.

For business owners, the scope widens to plan design, such as a SEP-IRA, solo 401(k) or cash balance plan, and to linking retirement to a sale or succession of the company. Federal employees need help with FERS or CSRS pension elections, survivor benefits and the Thrift Savings Plan.

Firms deliver this as a one-time written plan, an ongoing planning retainer with annual updates, or as part of investment management where the plan is revisited at each review. Many also coordinate with the client's CPA and estate attorney.

Chapter 1 of 3
FAQ

Retirement Planning Services FAQs

Short answers to what buyers ask before hiring a Retirement Planning Services company.

Question not covered? Ask our team

Retirement planning services cover income projections, Social Security and pension decisions, withdrawal sequencing, Roth conversions, required minimum distributions and insurance needs. Some firms also manage investments and design retirement plans for business owners.

Planners charge a percentage of assets, a flat plan fee, a retainer, hourly rates or commissions. Many listed firms have no minimum, the common floor is $1,000 for a standalone plan, and owner-focused or institutional work starts at $5,000 to $250,000.

Retirement planning focuses on turning savings into reliable income and timing benefits. Wealth management is broader and ongoing, combining investment management with tax, estate and sometimes philanthropic planning. Many wealth managers include retirement planning in their service.

Ask in writing and review the firm's Form ADV, which discloses fees, conflicts and whether it is a registered investment adviser. Check BrokerCheck for any brokerage registration, since dual-registered advisers may act as fiduciaries for some services and not others.

Chandler has the most listed retirement planning firms, and the rest are spread across other cities. Much planning now runs over video, but clients who want in-person reviews or help with a state's pension system often prefer an adviser nearby.

Listed firms most often serve business services, financial services, hospitality, IT, legal and medical clients. That reflects common niches: practice owners such as doctors and lawyers, company founders planning an exit, and employees with complex stock or pension benefits.

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