Masterplan Retirement Consultants

Overview

Masterplan Retirement Consultants operates as a small, owner-operated financial services firm that combines advisory work with product distribution. The firm is classified outside the standard RIA types and reports an individual owner. Its public profile indicates it serves primarily as an insurance broker and salesperson of other financial products while also providing financial planning, pension consulting, and the selection of other advisers for clients. Fee arrangements are non-discretionary and consulting-oriented — billed on an hourly, fixed-fee or other non-AUM basis — which points to a project- or advice-driven revenue model rather than a traditional asset-management fee model. The firm identifies itself as a capital allocator, which suggests it places client assets with third-party managers rather than managing large proprietary portfolios in-house. It does not characterize itself as an active ESG investor and is not set up as a multi-state adviser. Those attributes, together with the consulting/selection role, imply the firm functions more as a local advisory and intermediary practice focused on advice, plan design and manager selection, with product sales (insurance and other packaged investments) as a material part of its business mix.

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