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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Retirement Income Solutions offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Retirement Income Solutions charge?","answer":"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.","source":"RIS ADV 3.27.2026, filed 27 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Retirement Income Solutions use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Retirement Income Solutions have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Retirement Income Solutions invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Retirement Income Solutions have a minimum investment?","answer":"Yes, Retirement Income Solutions’ minimum account size for its Asset Management and Review is $750K.","source":"RIS ADV 3.27.2026, filed 27 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Retirement Income Solutions?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Retirement Income Solutions get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Retirement Income Solutions?","answer":"Retirement Income Solutions’ main office is at 2301 Platt Road, Suite 300, Ann Arbor, MI 48104. Its phone number is 734-769-7727. 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