Retirement Income Solutions provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 11–25 clients last fiscal year.
Retirement Income Solutions reports 1,274 clients. They include 869 high-net-worth individuals, 396 individual clients, and 5 pension and profit-sharing plans. Of its assets, 100.0% ($2.97B across 1,274 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 31% | 7% |
| High-net-worth individuals | 68% | 93% |
| Pension and profit-sharing plans | <1% | <1% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 396 | $207M | 7.0% | $523K |
| High-net-worth individuals | 869 | $2.76B | 92.8% | $3.17M |
| Pension and profit-sharing plans | 5 | $3.01M | 0.1% | $603K |
| Charitable organizations | Fewer than 5 | $797K | 0.0% | $398K |
| Corporations and other businesses | Fewer than 5 | $2.93M | 0.1% | $1.47M |
| Total | 1,274 | $2.97B | 100% | — |
- Clients
- 396
- Regulatory AUM
- $207M
- AUM share
- 7.0%
- Avg. per client
- $523K
- Clients
- 869
- Regulatory AUM
- $2.76B
- AUM share
- 92.8%
- Avg. per client
- $3.17M
- Clients
- 5
- Regulatory AUM
- $3.01M
- AUM share
- 0.1%
- Avg. per client
- $603K
- Clients
- Fewer than 5
- Regulatory AUM
- $797K
- AUM share
- 0.0%
- Avg. per client
- $398K
- Clients
- Fewer than 5
- Regulatory AUM
- $2.93M
- AUM share
- 0.1%
- Avg. per client
- $1.47M
Total
- Clients
- 1,274
- Regulatory AUM
- $2.97B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Retirement Income Solutions charges 0.60%–1.00% a year for its Asset Management and Review. The fee is billed in arrears, is negotiable and requires an account of at least $750,000. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Asset Monitoring and Review
- Billed on an annualized basis at 1% of account value up to $1,000,000, 0.8% between $1,000,000 and $2,000,000, and 0.6% over $2,000,000; negotiable.
- Retirement and Financial Planning
- Retirement and financial planning is a fixed fee starting at $1500, depending on the complexity of the plan.
- Retirement Plan Consulting
- Retirement plan consulting is 1.0% per annum of the account value of participants' accounts, billed quarterly in arrears.
Brock Hastie owns 25% to 50% of Retirement Income Solutions. The leadership team of Retirement Income Solutions includes Chief Operating Officer Amy Holzer, Chief Financial Officer Russell Holznagle and Chief Compliance Officer John Goff. It has 26 employees, 13 of them in advisory roles.
Staff
- 26 employees
- 13 in advisory functions
- 16 state-registered reps
- Owns 25% to 50% of Retirement Income Solutions, Inc.
Brock Hastie
Control person · since July 2012
- Owns 25% to 50% of Retirement Income Solutions, Inc.
Harrison Kephart
Control person · since July 2012
- Owns 10% to 25% of Retirement Income Solutions, Inc.
Karen Chapell
Control person · since July 2012
- Owns 10% to 25% of Retirement Income Solutions, Inc.
John Goff
Control person · since July 2012
- Owns 5% to 10% of Retirement Income Solutions, Inc.
Amy Holzer
Control person · since January 2026
- Owns 5% to 10% of Retirement Income Solutions, Inc.
Evan Leroy
since May 2023
- Owns 5% to 10% of Retirement Income Solutions, Inc.
Megan Flynn
since May 2023
Retirement Income Solutions’ regulatory assets grew from $2.13B (May 2021) to $2.97B (May 2026); clients rose from 1,206 to 1,274 and employees from 18 to 26.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| May 2026May 2026 | $2.97B | 1,274 | 26 | 1 |
| Mar 2025March 2025 | $2.66B | 1,268 | 25 | 1 |
| Jun 2024June 2024 | $2.42B | 1,267 | 23 | 1 |
| May 2023May 2023 | $2.15B | 1,263 | 20 | 1 |
| Mar 2022March 2022 | $2.4B | 1,244 | 18 | 1 |
| May 2021May 2021 | $2.13B | 1,206 | 18 | 1 |
Besides its headquarters, Retirement Income Solutions has 0 offices, with 1 listed address in 1 state.
Michigan · 1 listed address
- 2301 Platt Road, Suite 300, Ann ArborHQ
Contact and registration details
- Legal name
- Retirement Income Solutions, Inc.
- Headquarters
- 2301 Platt Road, Suite 300, Ann Arbor, MI 48104
- Phone
- 734-769-7727
- @retirement-income-solutions
- SEC file
- 801-71319
- Founded
- 1992
- Structure
- Michigan corporation
- Fiscal year end
- December
Retirement Income Solutions’ named custodians for separately managed accounts are Pershing ($1.36B, 52%) and Tiaa-Cref Individual & Institutional Services ($1.26B, 48%). Retirement Income Solutions has custody of $65.4M for 102 clients.
- PershingPershing Advisor Solutions LLC · Jersey City, NJ · $1.36B52%
- Tiaa-Cref Individual & Institutional ServicesTiaa-Cref Individual & Institutional Services, LLC · New York, NY · $1.26B48%
At year end, Retirement Income Solutions’ separately managed accounts were mostly in funds (68%) and stocks (17%). Its reported 13F holdings for the quarter ended 30 June 2026 total $581M across 172 positions; the largest are SPDR Series Trust (24.4%), State Str SPDR S&P 500 ETF T (7.8%) and SPDR Series Trust (7.3%).
What the accounts hold
- Stocks17%
- Funds68%
- Cash1%
- Other14%
- Real estate, stable value funds, commodities, private reits, fixed-income etf's14%
How many clients does Retirement Income Solutions have?
Retirement Income Solutions has 1,274 clients and manages $2.97 billion for them, as of May 2026. They include 869 high-net-worth individuals, 396 individual clients, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 May 2026
What services does Retirement Income Solutions offer?
Retirement Income Solutions provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Retirement Income Solutions charge?
Retirement Income Solutions charges 0.60%–1.00% a year for its Asset Management and Review. The fee is billed in arrears, is negotiable and requires an account of at least $750,000.
Which custodians does Retirement Income Solutions use?
Retirement Income Solutions’ separately managed account assets are held at Pershing Advisor Solutions LLC (Jersey City, NJ), with $1.36B and Tiaa-Cref Individual & Institutional Services, LLC (New York, NY), with $1.26B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 May 2026
How many financial advisors does Retirement Income Solutions have?
Retirement Income Solutions has 16 investment adviser representatives registered with state securities authorities, out of 26 employees, and 13 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Retirement Income Solutions invest in?
At the end of its last fiscal year, Retirement Income Solutions’ separately managed accounts held 68% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 14% other and 1% cash and equivalents. The 14% other category is described as: Real Estate, Stable Value Funds, Commodities, Private Reits, Fixed-Income ETF'S.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Retirement Income Solutions have a minimum investment?
Yes, Retirement Income Solutions’ minimum account size for its Asset Management and Review is $750K.
Who owns Retirement Income Solutions?
Retirement Income Solutions’ direct owners are Brock Hastie, Harrison Kephart, Karen Chapell, John Goff, Amy Holzer, Evan Leroy and Megan Flynn, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 13 May 2026
How does Retirement Income Solutions get paid?
Retirement Income Solutions is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Retirement Income Solutions?
Retirement Income Solutions’ main office is at 2301 Platt Road, Suite 300, Ann Arbor, MI 48104. Its phone number is 734-769-7727. Its website is retirementincomesolutions.com.