Eric Niergarth
CFP®, RICP®
Retirement Roadmap Financial Planning
Owner and Lead Planner
Eric Niergarth
CFP®, RICP®
Retirement Roadmap Financial Planning
Owner and Lead Planner
I help people approaching retirement exit the workforce with confidence (for a flat fee) - Eric Niergarth, CFP®, RICP®
Flat-Fee | We help people approaching retirement leave the workforce with confidence through comprehensive financial planning.

Eric Niergarth is a San Diego, CA fee-only financial advisor serving clients locally and across the country.
Retirement Roadmap Financial Planning provides comprehensive, tax-efficient financial planning and investment management to help near-retirees exit the workforce with confidence.
As a flat-fee & independent financial advisor, Eric Niergarth is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Eric Niergarth, CFP® holds over a decade of financial services experience. He is passionate about helping people prepare for and transition into their ideal retirement.
Before founding Retirement Roadmap Financial Planning, Eric was a Financial Planner under two of the most sought after Wealth Management firms in San Diego, where he helped high-earning and high-net-worth families work towards their ideal retirement.
Prior to that Eric worked with financial advisors at TD Ameritrade Institutional. There he was able to gain valuable experience through consulting advisory firms on a magnitude of industry topics.
Away from the office, Eric can be found spending time with his wife and two kids. He enjoys hiking, surfing, sailing, pickleball, and golf.
Eric Niergarth is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
We provide comprehensive, tax-efficient retirement planning that helps you get to (and through) retirement with confidence.
Retirement Focused
We focus solely on those approaching retirement and have dedicated our services and professional training to meet these specific planning needs.
Fiduciary Relationship
As a Certified Financial Planner™ Practitioner we act as a fiduciary, always in the best interests of the client. Read the Code of Ethics here.
Virtual Services
We are a ‘virtual first’ firm headquartered in San Diego, CA serving clients nationwide virtually using today’s best and safest technology.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Tax Planning
- Investment Management
- College Education Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
- Financial Dashboard
Professional Designations & Affiliations
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Eric Niergarth is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Eric Niergarth is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Eric Niergarth is a Member of the XY Planning Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Eric Niergarth is a Retirement Income Certified Professional® (RICP®)
A professional designation for experienced financial advisors and investment managers who have passed coursework to become experts in retirement income planning. A Retirement Income Certified Professional® helps retirees and near-retirees develop and implement a plan for managing the financial assets they have accumulated for retirement and a set realistic budget to help meet life goals.
Contact Eric Niergarth
Office Locations:
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Virtual Office
San Diego, CA 91911