# Retirement Planning Solutions, LLC

> Retirement Planning Solutions, LLC is an SEC-registered investment advisory firm in Louisville, KY, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 15, 2026.

- CRD: 311575
- Filed as: RETIREMENT PLANNING SOLUTIONS, LLC
- Legal name: RPS Advisory Solutions, LLC
- Also doing business as: RETIREMENT PLANNING SOLUTIONS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Louisville, KY
- Filing period: October 2026
- Form ADV filing dated: July 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/311575
- AdvisorCensus page: https://advisorcensus.com/firm/retirement-planning-solutions-llc-louisville-ky-311575

## Quick answers

**How is Retirement Planning Solutions, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Retirement Planning Solutions, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Retirement Planning Solutions, LLC located?**
Retirement Planning Solutions, LLC's principal office is in Louisville, KY, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Retirement Planning Solutions, LLC registered with the SEC or a state?**
Retirement Planning Solutions, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 311575.

**How much does Retirement Planning Solutions, LLC manage?**
Retirement Planning Solutions, LLC reports $467,035,199 in regulatory assets under management in its Form ADV filing dated July 15, 2026 (100% discretionary).

**How have Retirement Planning Solutions, LLC's assets and staff changed since 2021?**
In the Form ADV data for Retirement Planning Solutions, LLC: Regulatory assets under management: $119,222,676 in the October 2021 data and $467,035,199 in the October 2026 data, up 292%. Total employees: 5 in October 2021 and 10 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Retirement Planning Solutions, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,136); high net worth individuals (74); charitable organizations (2).

**Which custodians does Retirement Planning Solutions, LLC use?**
Retirement Planning Solutions, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Retirement Planning Solutions, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/311575

**Does Retirement Planning Solutions, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 24, 2026 says: "RPS generally does not impose a minimum relationship size."

**What changed in Retirement Planning Solutions, LLC's recent Form ADV filings?**
In the August 2026 filing data: No longer lists the business name Retirement Planning Solutions, LLC. No longer lists the business name Clover Wealth Partners. Added the business name Retirement Planning Solutions. Employees performing advisory functions went from 8 to 5. No longer lists an office in Louisville, KY.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 24, 2026)

- Account minimum: None

> RPS generally does not impose a minimum relationship size.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $467,035,199
- Discretionary: $467,035,199
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,136 | $303,211,310 |
| High net worth individuals | 74 | $162,689,068 |
| Charitable organizations | 2 | $1,134,821 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for pooled investment vehicles (other than investment companies)

### Firm details
- Registered since: 2020 (5 years)
- Employees: 10 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CO, FL, GA, IL, IN, KY, LA, MD, NC, NH, OH, OR, PA, SC, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Covington, KY

### Websites listed on Form ADV (Item 1.I)
- retirementplanningsolutions.com
- Facebook @RPSAdvisory
- Instagram @retirementplanningsolutionsllc
- LinkedIn @retirementplanningsolutions
- X @RPSAdvisor

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $119,222,676 | 5 | May 18, 2021 |
| October 2022 | $103,826,097 | 6 | June 27, 2022 |
| October 2023 | $194,822,330 | 9 | August 16, 2023 |
| October 2024 | $285,352,910 | 18 | July 23, 2024 |
| October 2025 | $376,782,414 | 20 | July 17, 2025 |
| October 2026 | $467,035,199 | 10 | July 15, 2026 |

Regulatory assets under management: $119,222,676 in the October 2021 data and $467,035,199 in the October 2026 data, up 292%.
Total employees: 5 in October 2021 and 10 in October 2026.

## Changes in the filing (last 12 months)

### August 2026
- No longer lists the business name Retirement Planning Solutions, LLC.
- No longer lists the business name Clover Wealth Partners.
- Added the business name Retirement Planning Solutions.
- Employees performing advisory functions went from 8 to 5.
- No longer lists an office in Louisville, KY.

### April 2026
- Employees performing advisory functions went from 11 to 8.
- Regulatory assets under management went from $376,782,414 to $467,035,199 (+24%).
- No longer lists an office in Evansville, IN.

### January 2026
- Registered or notice-filed in MD.
- No longer registered or notice-filed in CA, CT, MO, NE.

### December 2025
- Registered or notice-filed in OR.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Retirement Planning Solutions, LLC (CRD 311575): Form ADV filing data as of October 2026.