About this Advisor

Randolph M. Martin is a certified financial planner (CFP) and Series 63 licensee who has more than 28 years of experience. He offers retirement income planning to individuals and couples in or nearing retirement through his independent financial services firm, Randolph Martin Retirement Group. The small, family-owned firm is located in Columbus, Ohio.

The firm offers securities through Cambridge Investment Research, Inc., a FINRA/SIPC member broker-dealer. In addition to acting as a representative of a broker-dealer, Martin is an insurance agent. A fee-based advisor, he charges his clients an initial planning fee of $395, payable upon completion of a third meeting. Thereafter, he charges clients 1% to 1.5% of assets under management annually.

Martin, who specializes in serving current or soon-to-be retirees, requires a $250,000 account minimum. He primarily serves clients in Columbus and its vicinity. Martin says he typically has one to four personal meetings per year with each of his clients.

The most common mistake that Martin sees investors making is failing to look at the big picture. His firm emphasizes the importance of doing so, and he also encourages investors to consider Social Security, healthcare, tax, estate and charitable planning in addition to investment planning. Martin believes in the importance of asset diversification and says he manages risk in his client portfolios by lowering volatility for short-term needs.

He is the author of the book “Realistic Retirement for Realistic People: Look Before You Leap,” which he encourages clients to read prior to starting the retirement planning process.