Retirement Investment Advisors Inc
- Regulatory AUM
- $1.5B
- Discretionary
- $1.5B
- Clients
- 1,431
- Avg AUM / client
- $1.0M
- Accounts
- 3,444
- Employees
- 15
AUM over time
Annual snapshots from Form ADV filings · as of Mar 23, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 996 | $413M | 27.7% |
| High net worth individuals | 403 | $1.0B | 68.9% |
| Pension and profit sharing plans | 14 | $24.4M | 1.64% |
| Charitable organizations | 18 | $25.3M | 1.7% |
Retirement plan clients
Plans that reported this firm as an investment service provider on Form 5500 Schedule C.
| Plan | Location | Plan year |
|---|---|---|
| Vanderlande Industries, Inc. 401(k) Plan Vanderlande Industries, Inc. | 2024 |
People (13)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Randy Loyn Thurman | Ceo | CFP Personal Financial Specialist | Jan 1997 (30y) | Less than 5% |
| Carol Ringrose Alexander | Executive Vice President | CFP | Oct 2003 (23y) | Less than 5% |
| Schneider, Brett, Ronald | Director | Jan 2009 (18y) | Less than 5% | |
| Chad Allen Rudy | Executive Vice President Texas | CFP | Nov 2009 (17y) | Less than 5% |
| Brenda Sue Bolander | Executive Vice President | CFP | Jan 2013 (14y) | Less than 5% |
| O'malley, Edward, George | Director | Feb 2015 (12y) | Less than 5% | |
| Moo, Veronica, Ei Chun | Director | Jul 2017 (9y) | Less than 5% | |
| Andrew Kenneth Flinton | President | CFP | Nov 2018 (8y) | Less than 5% |
| Sylvia Leigh Sterling | Senior Vice President | CFP | Jan 2023 (4y) | Less than 5% |
| Franke, Jade, Nicole | Chief Compliance Officer | Nov 2023 (3y) | Less than 5% | |
| Joseph Wayne Bowie | Registered representative | CFP | Nov 1993 (33y) | |
| Alexxander V Peralta | Registered representative | CFP | Sep 2022 (4y) | |
| Gabriel Levi Wallace | Registered representative | Sep 2025 (1y) |
Entity owners (Schedule A/B)
| Entity | Title / status | Since | Sch. | Ownership |
|---|---|---|---|---|
| Nfp Corp | Shareholder | Jan 2003 | A | 75% or more |
| Nfp Intermediate Holdings B. Corp | Owner | Jul 2013 | B | ≈ 56.25% – 100% via Nfp Corp |
| Randolph Acquisition Corp | Owner | Apr 2024 | B | ≈ 42.19% – 100% via Nfp Intermediate Holdings B. Corp |
| Randolph Finance Unlimited Company | Owner | Apr 2024 | B | ≈ 31.64% – 100% via Randolph Acquisition Corp |
| Aon, Plc | Owner | Jun 2014 | B | ≈ 23.73% – 100% via Randolph Finance Unlimited Company |
Undisclosed: 0% – 25% of the firm is not attributable from the filed Schedule A bands.
Estimated effective ownership (look-through of filed bands):
- Nfp Intermediate Holdings B. Corp: 75% – 100% of Nfp Corp × 75% – 100% direct ≈ 56.25% – 100% of the firm
- Randolph Acquisition Corp: 75% – 100% of Nfp Intermediate Holdings B. Corp × 75% – 100% of Nfp Corp × 75% – 100% direct ≈ 42.19% – 100% of the firm
- Randolph Finance Unlimited Company: 75% – 100% of Randolph Acquisition Corp × 75% – 100% of Nfp Intermediate Holdings B. Corp × 75% – 100% of Nfp Corp × 75% – 100% direct ≈ 31.64% – 100% of the firm
- Aon, Plc: 75% – 100% of Randolph Finance Unlimited Company × 75% – 100% of Randolph Acquisition Corp × 75% – 100% of Nfp Intermediate Holdings B. Corp × 75% – 100% of Nfp Corp × 75% – 100% direct ≈ 23.73% – 100% of the firm
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Retirement plans served (1)
| Plan | Sponsor | Participants | Plan assets | As of |
|---|---|---|---|---|
| Vanderlande Industries, Inc. 401(k) Plan | Vanderlande Industries, Inc. | 1,176 | $89.2M | 01/01/2024 |
From Form 5500 service-provider disclosures.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 03/23/2026 | 1.17 MB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
Allegations: THE SEC ALLEGED THAT THE REGISTRANT AND ONE OF IT OFFICERS, JOE BOWIE, VIOLATED SECTION 206(2) OF THE INVESTMENT ADVISERS ACT OF 1940 ("ADVISERS ACT"). ADDITIONALLY, THE SEC ALLEGED THAT THE REGISTRANT VIOLATED SECTION 204 OF THE ADVISERS ACT AND RULE 204-2(A)(7)(I) THEREUNDER. LASTLY, THE SEC ALLEGED THAT ONE OF REGISTRANT'S OFFICERS VIOLATED SECTION 206(4) OF THE ADVISERS ACT AND RULE 206(4)-8 THEREUNDER FOR ALTERNATIVE INVESTMENT TRANSACTIONS WHICH HAPPENED FROM 2006 TO 2009. Status: Final Sanction Detail: THE SEC ORDERED DISGORGEMENT OF$144,243.09 AND INTEREST OF$14,724.02. ADDITIONALLY, THE SEC FINED THE REGISTRANT $37,500.00 AND ONE OF ITS OFFICERS $25,000.00. PAYMENT FOR THE MONETARY FINES WAS MADE ON NOVEMBER 18,2015. PAYMENT OF THE DISGORGEMENT AND INTEREST WERE COMPLETED MARCH 2016. Summary: THE SEC ENTERED ITS ORDER ON OCTOBER 21,2015. PAYMENT OF MONETARY PENALTIES WAS MADE ON NOVEMBER 18, 2015. THE SEC ORDERED AN UNDERTAKING OF THE REGISTRANT TO ENGAGE AN INDEPENDENT CONSULTANT (I) TO PERFORM A COMPREHENSIVE REVIEW OF THE REGISTRANT'S POLICIES AND PROCEDURES ADDRESSING VALUATION AND RECORDS MAINTENANCE AND (II) TO DELIVER A REPORT TO THE SEC AND THE REGISTRANT OF ITS FINDINGS. THE INDEPENDENT CONSULTANT'S REPORT WAS DELIVERED TO THE REGISTRANT AND A COMPREHENSIVE RESPONSE AND SUMMARY OF ACTIONS WAS PROVIDED TO THE SEC. PAYMENT OF THE DISGORGEMENT AND INTEREST WERE COMPLETED MARCH 2016.
Disclosure text reproduced verbatim from the firm's own Form ADV filings.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Portfolio management for businesses/institutional clients
- • Pension consulting services
- • Selection of other advisers
- • Publication of periodicals or newsletters
- • Educational seminars/workshops
Custody
Reported custodians
- Sei Investmentmanagement Corporation $1.5B (100% of AUM) Mar 2026
- National Advisors Trust Company $59.0M (6% of AUM) Nov 2023
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports having custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Mar 23, 2026.
View current Form ADV (SEC/IAPD) ↗