Welcome, Carter Bank Team

What you need to know about the HMC + TRPG partnership

We are excited to share with you that HMC Partners (HMC) is now part of The Retirement Planning Group (TRPG). This FAQ will provide you with answers to common questions you and your customers may have. While the name is new, the team, referral process and high level of service you are accustomed to remain the same.

What’s happening with HMC Partners?

HMC Partners is now part of The Retirement Planning Group (TRPG)—a firm that is philosophically and culturally aligned with HMC. The current advisory team, service model, and referral process remain the same.

Who is The Retirement Planning Group (TRPG)?

TRPG is a Registered Investment Advisor with the Securities and Exchange Commission (SEC) and acts as a 100% fiduciary.

Founded in 2004
Headquartered in Kansas City, with offices and clients nationwide
Manages nearly $3 billion in client assets as of 6/4/2025
Provides a comprehensive suite of services, including financial and estate planning, investment, 401(k), and tax preparation

Note: TRPG is part of the Cetera family of companies, but is independently operated and SEC-regulated. It is not a brokerage firm.

Does anything change in how I refer clients?

No.

You will continue referring customers the same way
The same advisors remain your main point of contact
No changes to systems, forms, or communication channels
Customers will notice a new firm name TRPG, and email domain, @planningretirements.com

What benefits are now available to clients?

TRPG brings additional capabilities to support referred clients, but nothing is mandatory:

Advanced financial planning: Goal-based, cash flow-focused planning delivered via TRPG’s iOS/Android mobile app. Plans are updated annually, or more often if needed.
In-house tax services: Staffed by 14 CPAs and tax professionals. Free personal tax preparation for clients with $1M+ in assets (or $10K+ in annual revenue).
TRPG does not replace existing tax professionals unless clients choose that.
Proactive investment oversight: TRPG’s investment team uses digital monitoring (not high-frequency trading) to ensure portfolios align with each client’s strategy.
Estate planning: Flat-fee services for Trusts, Wills, and POAs. Clients also receive a complimentary estate diagram for clarity and validation of existing plans.

Should I explain these offerings to clients?

If customers are curious, you can say, “You’ll continue working with the same advisory team. They now operate under a larger firm with more resources but nothing changes unless you want it to.”

Will the contact information change for HMC?

The office and phone number will remain the same. New email addresses will be shared as soon as they are in place.

Who do I contact with questions?

Your current contact from HMC — now with TRPG — is still your advisor. For broader questions, please email [email protected].

Last Updated: 06/11/2025