Many people searching for a retirement financial advisor understand that the vetting process works both ways.
We’re here to help guide you through the potential risks and challenges of retirement—or, as we like to call it, life’s longest vacation.
We work exclusively with individuals who value our advice and experience, and who are seeking competent, professional management.
You’ve worked hard and put in the time to get where you are today. That’s why you deserve individual attention from a highly qualified planning team throughout your retirement.
Because of our in-depth planning process and commitment to personalized service, we only take on a limited number of new clients each year. We do not accept new clients simply for the sake of growing our firm—we value quality over quantity.
This one-time fee reflects the time and expertise our advisors and support team invest in creating your personalized financial plan during the onboarding process. The fee varies based on the complexity of your situation and the scope of work required, and you’ll receive a clear quote before deciding to move forward.
We charge an annual, percentage-based fee on the portion of your assets that we manage in the publicly traded stock and bond markets.
Many of our clients place a portion of their retirement portfolio into insurance solutions that offer guarantees—such as lifetime income or protection from stock market downturns.
Rather than charging you a commission or advisory fee to implement these solutions, we are compensated directly by the insurance company. The fees you pay to the insurance company will vary depending on the specific solution, but many of the options we recommend have low—or even no—annual fees.
Because we provide a highly personalized planning process, the information above is intended as a general overview of our core fees—not an exhaustive list. At the beginning of your onboarding process, you’ll receive a detailed explanation of all costs associated with your investments, advisory services, and insurance solutions. You’ll also be provided with all industry-required disclosures to ensure complete transparency.
Tammy is a Client Relationship Manager with Investor FAN and joined the company in 2023. She graduated from Washington State University in 1996 with a degree in Business Administration with Accounting and Finance concentrations. She worked in the accounting and finance industry for 25 years as a Certified Public Accountant and spanned several industries including public accounting, telecommunications, high tech, and financial professional services. Tammy passed the Series 65 securities exam in 2021.
Rod is the principal of Investor FAN and RIA Systems, which he runs on a daily basis. Prior to starting Investor FAN in 2011, he was the Vice President of Advisory Services at Pacific West Financial Consultants, Inc. from 2003 to 2012 where he served as Chief Compliance Officer and then VP of Advisory Services overseeing more than 200 Representatives and approximately $1.3 billion under management. He graduated from Kansas State University in 1991. Prior to working at Pacific West, he was at Merrill Lynch as a retail broker from 2000 to 2003.
Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
Originally from England, Emma brings a background in social work, where she developed a strong foundation in empathy, discretion, and thoughtful communication. Her people-first approach now guides the care and attention she brings to each client relationship.
At Retirement Risk Managers, Emma is dedicated to delivering a seamless and highly personalized experience for every client whether in person, over the phone or through video call. Everything from the customized scent of our office to the curated drink selection, Emma ensures the experience of our brand is everything it’s meant to be.
Outside of work, Emma enjoys attending live music and traveling. She especially looks forward to exploring more of the United States now that she calls it home, as well as spending time with her cats and husband.