RetireOne
The leading independent platform for fee-based insurance solutions for RIAs and fee-only advisors.
Overview
RetireOne is the leading independent platform for fee-based insurance solutions designed specifically for registered investment advisers (RIAs) and fee-only financial advisors. Founded in 2010 by David Stone and Scott Strait, RetireOne operates as an outsourced insurance desk (OID), acting as agent of record at no additional cost to advisors or their clients.
The platform enables non-insurance-licensed fiduciaries to offer low-cost, commission-free annuities and insurance products without requiring separate insurance licensing. RetireOne serves over 1,200 RIAs and fee-based advisors and has grown to service over USD 2 billion in retirement savings and income investments.
In October 2025, RetireOne was acquired by Simplicity Group Holdings and now operates as Simplicity OID, expanding access to its full suite of fee-based insurance solutions for Simplicity's financial institution clients. Founders David Stone, Jeff Cusack, and Ed Mercier joined Simplicity Group as Partners following the acquisition.
Products & Services
Fee-Based Annuity Marketplace
A curated marketplace of no-load, commission-free annuity products from multiple A-rated carriers. RIAs access the platform at no additional cost, with RetireOne serving as agent of record, enabling fiduciary-compatible annuity distribution.
Key Features
- Commission-free fixed, fixed indexed, and variable annuities
- Registered index-linked annuities (RILAs)
- Multi-year guaranteed annuities (MYGAs)
- Single-premium immediate annuities (SPIAs)
- Deferred income annuities (DIAs)
- Contingent deferred annuities
- No insurance license required for advisor access
- Low expense ratios (as low as 0.03%)
Target Users: RIAs, fee-only and fee-based financial advisors
Insurance Product Access
Broader insurance access including term life, permanent life, long-term care, disability, and supplemental insurance for advisory clients seeking comprehensive financial protection solutions.
Key Features
- Multi-carrier access with A-rated partners including TIAA Life and Midland National
- Fiduciary-compatible distribution model
- Variable universal life insurance options
- Portfolio-based retirement income solutions
Target Users: Financial advisors serving high-net-worth clients in retirement
Advisory Programs
Structured programs designed to help advisors address specific client retirement needs and transition scenarios.
Key Features
- Annuity Transition Program -- helps clients move from high-cost legacy annuities
- Annuity Rescue Program -- strategies for underperforming annuity contracts
- Protected Accumulation Program -- principal protection with growth potential
- Insurance Program -- comprehensive life, LTC, and disability access
Target Users: RIAs and financial planners managing client retirement portfolios
At a Glance
- Founded
- 2010
- Headquarters
- San Francisco, California
- Employees
- 11-50
- Funding
- Acquired
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Annuity Platform Retirement Income Fee-Based Insurance
- Insurance Verticals
- Life & Annuity
- Target Customers
- Agents/Agencies, Brokers
Customers
- Luma Financial Technologies (Outsourced Insurance Desk partnership)
- Pension and Wealth Management Advisors
Links
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Last updated: 2026-06-05