About Retirement Learning Center

For over two decades, RLC has been the retirement services industry’s go-to resource for outsourced ERISA consulting, thought leadership and exceptional strategies.

Founded by John Carl in 2003, Retirement Learning Center is his legacy. Carl was known as “the advisor to the advisors” until his untimely passing in 2022. His entrepreneurial spirit saw a need for practical and tactical financial advisor training in the retirement space, driving him to establish the Retirement Learning Center in 2003. Decades later, RLC continues John’s mission to provide support and thought leadership to the advisor community.

Driven to continue RLC’s purpose, cash balance plan consulting firm October Three (O3) acquired RLC in May 2023 and decided to maintain the RLC brand.

With O3’s technological prowess, consulting expertise and RLC’s incredible educational resources, we serve the advisor community with more excellence and passion than ever.

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Resources and back-office support for retirement plan advisors and wealth managers

Our mission is to accelerate your success and help you improve daily. If you want to expand your knowledge and grow your practice, we’re here to help. Through our comprehensive education, resources, guidance and insights suite, we help advisors tackle every issue successfully.

Discover the RLC difference

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Our Team

Get one-on-one advice from a knowledgeable retirement expert. Each consultant has decades of experience assisting retirement plan advisors and wealth managers in identifying new sales opportunities, increasing productivity, acquiring assets and growing revenue. We’re dedicated to positioning you to help your clients plan for a successful retirement while you grow your practice.

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Our Customer Service Approach

At RLC, we are invested in your clients’ success. As a trusted partner and mentor, we will be by your side every step of the journey, offering sales strategies and technical guidance. Some of the ways we’ve helped advisors include:

  • Navigating plan rollover discussions
  • Offering insights on M&A transactions and issues with plans merging or terminating
  • Corrections for missed deferrals
  • Beneficiary rules
  • Navigating complex compliance issues

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Our Thought Leadership and Resources


Nonprofit Mergers and Acquisitions

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The Social Security Earnings Test: Are IRA Assets Earnings?

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1035 Exchanges

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More Resources and News

Hear what our clients are saying

Exceptional service. The services that RLC provides are a tremendous resource to our team, specifically ERISA/DOL guidance as well as plan design interpretations.

--Morgan Stanley Financial Advisor

Just rolled over $1 million … as a result of your help. I would give your team a 5+ [out of 5] in support, communication, effort, and speed.

--Ameriprise Financial Advisor

I have all good things to say about the Retirement Learning Center. Good news, I was able to get the new start up 401(k) plan involving Davis Bacon!

--Ameriprise Financial Advisor

I would rank the service of the Retirement Learning Center as the BEST arm’s length/third-party service available to me from any source for my retirement plan work.

--Morgan Stanley Financial Advisor

Your services are a 10 on a scale of one to five. Fantastic—and unique. No other vendor that I work with offers anything like this.

--LPL Financial Advisor

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Frequently Asked Questions

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