# Retirement Planning Specialists, Inc.

> 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.

- CRD: 139358
- Filed as: RETIREMENT PLANNING SPECIALISTS, INC.
- Legal name: S & P Financial, Inc.
- Also doing business as: RETIREMENT PLANNING SPECIALISTS, INC., S & P FINANCIAL, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ashland, OR
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/139358
- AdvisorCensus page: https://advisorcensus.com/firm/retirement-planning-specialists-inc-ashland-or-139358

## Quick answers

**How is Retirement Planning Specialists, Inc. compensated?**
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.

**Where is Retirement Planning Specialists, Inc. located?**
Retirement Planning Specialists, Inc.'s principal office is in Ashland, OR, according to its Form ADV.

**Is Retirement Planning Specialists, Inc. registered with the SEC or a state?**
Retirement Planning Specialists, Inc. is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 139358.

**How much does Retirement Planning Specialists, Inc. manage?**
Retirement Planning Specialists, Inc. reports $370,590,050 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary).

**How have Retirement Planning Specialists, Inc.'s assets and staff changed since 2021?**
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.

**What types of clients does Retirement Planning Specialists, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (556).

**Which custodians does Retirement Planning Specialists, Inc. use?**
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.

**Does Retirement Planning Specialists, Inc. 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/139358

**What changed in Retirement Planning Specialists, Inc.'s recent Form ADV filings?**
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%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Minimum annual fee: None

> We do not have any minimum advisory fees.

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: $370,590,050
- Discretionary: $370,590,050
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 556 | $370,590,050 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2006 (20 years)
- Employees: 2 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, NM, NV, OR, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- retirementplanningspecialists.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $231,496,637 | 2 | May 18, 2021 |
| October 2022 | $269,075,011 | 2 | July 6, 2022 |
| October 2023 | $247,797,523 | 2 | April 18, 2023 |
| October 2024 | $268,430,220 | 2 | April 16, 2024 |
| October 2025 | $323,601,005 | 2 | March 28, 2025 |
| October 2026 | $370,590,050 | 2 | March 31, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 0 to 1.
- Regulatory assets under management went from $323,601,005 to $370,590,050 (+15%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Retirement Planning Specialists, Inc. (CRD 139358): Form ADV filing data as of October 2026.