Retirement planning has changed.

The days of relying on a single advisor at a big-box brokerage or trusting a “plan” built off a risk questionnaire are over. Today’s retirees want more — more clarity, more customization, and more confidence that the advice they’re getting is actually in their best interest.

That’s why more and more people are turning to Registered Investment Advisors (RIAs) — and why we believe they represent the future of retirement planning.

RIAs Must Act in Your Best Interest. Full Stop.

Let’s get something straight: not every financial advisor is legally required to put your interests first.

But RIAs are. At Compound Advisory, we operate under a fiduciary standard — which means we’re obligated to give advice that’s best for you, not best for our bottom line. No commissions. No sales quotas. No kickbacks.

It sounds simple, but in an industry full of complex incentives and hidden agendas, it’s one of the most important differences in financial advice today.

What You Get With an RIA: Strategy Over Sales

Unlike product-pushing sales reps or robo-advisors with one-size-fits-all algorithms, an RIA builds a plan around your goals, your tax picture, your timeline, and your values.

At Compound Advisory, this includes:

• Harvesting strategies to create retirement income that adapts to market conditions

• Withdrawal planning to help avoid unnecessary taxes and penalties

• Social Security optimization based on your age, assets, and goals

• Risk-adjusted investment strategies that evolve as you move from growth to preservation

We don’t just talk about diversification — we engineer retirement plans that account for real-world volatility, inflation, and sequence risk.

No Proprietary Products. No Corporate Agenda.

RIAs like Compound Advisory are independent — we aren’t beholden to a parent company or pressured to push high-fee funds.

That means we’re free to use what’s actually best for you — whether that’s low-cost ETFs, direct indexing, or more advanced strategies like asset location or tax-loss harvesting.

You deserve advice that’s based on research, not relationships with fund wholesalers.

Real Example: A Better Outcome Through Strategy

We recently worked with a couple in their early 60s who had $1.8 million spread across retirement accounts, real estate, and brokerage assets. Their prior “plan” was a mix of target-date funds, CDs, and a vague hope that they could withdraw 4% a year and be fine.

After we applied our Compound Cultivator™ method, we restructured their withdrawal order to reduce their taxes, increased their long-term portfolio efficiency, and created a 10-year income glidepath that protected their investments during down markets.

The result? A 25% improvement in projected portfolio longevity — without taking on more risk.

That’s the power of true planning.

Transparent Fees. No Guesswork.

At Compound Advisory, we keep things simple:
Our fee is typically 1% on assets under management, and we offer discounted cumulative rates for clients who refer others — because we believe good advice should reward everyone involved.

There are no hidden fees. No surprise charges. And no extra cost for planning — because we don’t believe your portfolio and your plan should be sold separately.

A Relationship That Goes Beyond the Numbers

A good RIA doesn’t just manage investments — they coach, coordinate, and care.

We help our clients:

• Stay disciplined through market noise

• Make smart tax decisions in retirement

• Align their money with what matters most — family, freedom, and peace of mind

And we don’t disappear when things get tough. That’s when we lean in.

The Bottom Line

If you’re serious about retiring well, you need more than a portfolio — you need a real plan, built by someone who works for you, not a corporation.

That’s what we do at Compound Advisory.
And that’s why RIAs are quickly becoming the go-to for people who don’t want to gamble with their future.

Want a second opinion on your current plan?
Let’s have a quick conversation. We’ll show you what real retirement planning looks like.

Book a 15 min Clarity Call Here.