The Retirement Planners, USA, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 11, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$200/hr

“Services are offered based on an hourly fee of $200 per hour.”

Flat or project fee

$2,500

“If the client cancels after five (5) days, any unpaid, earned fees will be due to TRP. 6 The Retirement Planners, USA, LLC FIXED FEES Financial Planning Services are offered based on a negotiable fixed fee with a maximum fee of $2,500 based on complexity and unique client needs.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How The Retirement Planners, USA, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Fees are billed monthly in arrears based on the amount of assets managed as of the last business day of the previous month.”
• “Direct billing to the Client payable within 10 days of invoice presentation.”
• “Client will be entitled to a pro rata refund for the days service was not provided in the final billing period.”

How The Retirement Planners, USA, LLC’s fees compare

• Its hourly rate of $200 is below the Florida median of $288. 14% of the 372 other Florida planners that publish an hourly rate charge less.
• 3 of the 7 other planners in Pensacola that publish an hourly rate charge less.
• Its flat or project fee of $2,500 is below the Florida median of $4,900. 26% of the 320 other Florida planners that publish a flat or project fee charge less.
• 4 of the 5 other planners in Pensacola that publish a flat or project fee charge less.

About The Retirement Planners, USA, LLC

• Principal: Esmeralda Steele
• Firm size: 2 employees.
• Founded: 2009 (17 years).

Planning areas mentioned in the brochure

• Retirement planning
• College planning
• Business owners
• Insurance analysis
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

2% a year

Clients

234

Employees

2

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars and workshops

Assets managed

$60,252,840

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

152870

Website

linkedln.com/theretirementplanners (opens in new tab)

Phone

(850) 995-1999

Can advise clients in 5 states: Alabama, Florida, Georgia, Louisiana, Missouri

Other planners in Pensacola that publish fees

• Armada AdvisorsPensacola$175/hr
• Dna Wealth Management LLCPensacola$150/hr, $1,000⁠-⁠$2,000
• Financial Journey LLCPensacola$200/hr, $300⁠-⁠$2,500
• Guernsey Financial, LLCPensacola$500
• Kitchensink Financial Planning, LLCPensacola$450/hr, $250⁠-⁠$2,100/mo
• Saltmarsh Financial Advisors, LLCPensacola$450/hr, $5,000

Compare all 12 planners in Pensacola