{
  "crd_number": 139358,
  "slug": "retirement-planning-specialists-inc-ashland-or-139358",
  "primary_business_name": "RETIREMENT PLANNING SPECIALISTS, INC.",
  "legal_name": "S & P FINANCIAL, INC.",
  "dbas": [
    "RETIREMENT PLANNING SPECIALISTS, INC.",
    "S & P FINANCIAL, INC."
  ],
  "city": "Ashland",
  "state": "OR",
  "country": "United States",
  "cbsa_code": "32780",
  "metro": {
    "cbsa_code": "32780",
    "common_name": "Medford",
    "msa_name": "Medford, OR",
    "path": "/advisors/or/medford"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2006-02-15",
  "years_registered": 20,
  "period": "2026-10-01",
  "filing_date": "2026-03-31",
  "carried_forward": false,
  "raum_total": 370590050.0,
  "raum_discretionary": 370590050.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 2,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 370590050.0,
      "count": 556
    }
  },
  "compensation_types": [
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CA",
    "CO",
    "FL",
    "NM",
    "NV",
    "OR",
    "TX",
    "WA"
  ],
  "websites": [
    "https://retirementplanningspecialists.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/139358",
  "city_as_filed": "ASHLAND",
  "url": "https://advisorcensus.com/firm/retirement-planning-specialists-inc-ashland-or-139358",
  "display_name": "Retirement Planning Specialists, Inc.",
  "summary": "Retirement Planning Specialists, Inc. is an SEC-registered investment advisory firm in Ashland, OR, registered since 2006, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.",
  "citation": "AdvisorCensus. Retirement Planning Specialists, Inc. (CRD 139358): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Retirement Planning Specialists, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Retirement Planning Specialists, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges."
    },
    {
      "q": "Where is Retirement Planning Specialists, Inc. located?",
      "a": "Retirement Planning Specialists, Inc.'s principal office is in Ashland, OR, according to its Form ADV."
    },
    {
      "q": "Is Retirement Planning Specialists, Inc. registered with the SEC or a state?",
      "a": "Retirement Planning Specialists, Inc. is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 139358."
    },
    {
      "q": "How much does Retirement Planning Specialists, Inc. manage?",
      "a": "Retirement Planning Specialists, Inc. reports $370,590,050 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary)."
    },
    {
      "q": "How have Retirement Planning Specialists, Inc.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for Retirement Planning Specialists, Inc.: Regulatory assets under management: $231,496,637 in the October 2021 data and $370,590,050 in the October 2026 data, up 60%. Total employees: 2 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Retirement Planning Specialists, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (556)."
    },
    {
      "q": "Which custodians does Retirement Planning Specialists, Inc. use?",
      "a": "Retirement Planning Specialists, Inc.'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."
    },
    {
      "q": "Does Retirement Planning Specialists, Inc. report any disciplinary disclosures?",
      "a": "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/139358"
    },
    {
      "q": "What changed in Retirement Planning Specialists, Inc.'s recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 0 to 1. Regulatory assets under management went from $323,601,005 to $370,590,050 (+15%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 231496637.0,
      "total_employees": 2,
      "filing_date": "2021-05-18"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 269075011.0,
      "total_employees": 2,
      "filing_date": "2022-07-06"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 247797523.0,
      "total_employees": 2,
      "filing_date": "2023-04-18"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 268430220.0,
      "total_employees": 2,
      "filing_date": "2024-04-16"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 323601005.0,
      "total_employees": 2,
      "filing_date": "2025-03-28"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 370590050.0,
      "total_employees": 2,
      "filing_date": "2026-03-31"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 0 to 1.",
        "Regulatory assets under management went from $323,601,005 to $370,590,050 (+15%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 31, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": "None",
    "figures": [
      {
        "label": "Minimum annual fee",
        "statements": [
          "Minimum annual fee: None"
        ],
        "quotes": [
          "We do not have any minimum advisory fees."
        ]
      }
    ],
    "quotes": [
      "We do not have any minimum advisory fees."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/retirement-planning-specialists-inc-ashland-or-139358.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 556,
      "fewer_than_5": false,
      "raum": 370590050.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/139358",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}