Wealth manager, independent · ANN Arbor, MI
Retirement Income Solutions, Inc.
SEC-registered investment adviser · CRD 110145 · SEC 801-71319
At a glance
Retirement Income Solutions, Inc. is an SEC-registered investment adviser based in ANN Arbor, Michigan, with $3.0B in regulatory assets under management as of its Form ADV filed May 13, 2026. It reports 1,265 individual clients, 869 of them high-net-worth, holding an average of about $2.3 million each, and 26 employees. That ranks it 364th among the nation’s 5,657 independent wealth management RIAs and 11th of 178 in Michigan. It reports 2 custodians for its clients’ separately managed accounts: BNY Pershing and Tiaa-Cref Individual & Institutional Services.
Main office 734-769-7727risadvisory.comLinkedInAs filed on Form ADV
- Regulatory AUM
- $3.0B
- Rank among independent wealth managers
- #364 of 5,657
- Rank among all SEC RIAs
- #2,847 of 17,210
- Rank in Michigan
- #11 of 178
- Individual clients
- 1,265
- High-net-worth clients
- 869
- Accounts
- 1,274
- Discretionary
- 100% of AUM
- Employees
- 26
- Advisory staff
- 13
- Offices
- 1
Owners and executives on its Form ADV
- John B. GoffManaging Partner & Chief Compliance Officer
- Brock E. HastieManaging Partner
- Harrison T. KephartManaging Partner
- Karen A. ChapellManaging Partner
- Russell A. HolznagleChief Financial Officer
- Amy K. HolzerChief Operating Officer
- Evan C. LeroyShareholder
- Megan E. FlynnShareholder
Custody and brokerage
Broker-dealer
No broker-dealer ties
Retirement Income Solutions, Inc. reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 869 | $2.8B | 93% |
| Individuals | 396 | $207M | 7% |
| Pension and profit sharing plans | 5 | $3M | <1% |
| Corporations or other businesses | 2 | $3M | <1% |
| Charitable organizations | 2 | $1M | <1% |
Disciplinary disclosures
Retirement Income Solutions, Inc. reports no disciplinary disclosures in Item 11 of Form ADV. Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
- Pension consulting
- Selecting other advisers
How it’s paid
- A percentage of assets under management
- Fixed fees
Form ADV and brochures on the SEC’s adviser search ↗risadvisory.com ↗
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The full record on Retirement Income Solutions, Inc.
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, ten years of filings
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- Growth over one, three and five years
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- Rank against 1,374 peers of its type and size
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- Owners and executives, with titles and stakes
- 8 namedLocked
- Main office, fax and compliance officer
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- Filing changes this year, with alerts
- 1Locked
Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Similar-size RIAs in Michigan
All of Michigan →| Firm | Regulatory AUM | Clients |
|---|---|---|
| Azimuth Capital ManagementBloomfield Hills | $4.0B | 381 |
| Corecap AdvisorsSouthfield | $4.0B | 9,671 |
| Innovia Wealth, LLCGrand Rapids | $3.3B | 727 |
| Regal Investment Advisors LLCKentwood | $2.9B | 8,220 |
| NPF Investment AdvisorsGrand Rapids | $2.7B | 938 |
| Sigma Investment CounselorsNorthville | $2.2B | 775 |
Background
Questions
How much does Retirement Income Solutions, Inc. manage?
Retirement Income Solutions, Inc. reports $3.0B in regulatory assets under management across 1,274 accounts, 100% of it on a discretionary basis, on its Form ADV filed May 13, 2026.
How many clients does Retirement Income Solutions, Inc. have?
It reports 1,265 individual clients: 869 high-net-worth individuals and 396 other individuals. Individuals account for about 100% of its regulatory assets.
Where is Retirement Income Solutions, Inc. headquartered?
Its main office is in ANN Arbor, Michigan. It reports 1 office in total and 26 employees, 13 of whom perform investment advisory functions.
How does Retirement Income Solutions, Inc. charge clients?
On Form ADV it lists these forms of compensation: a percentage of assets under management; fixed fees. Fees and minimums are set out in its Form ADV Part 2A brochure, available on the SEC’s adviser search.
What custodian does Retirement Income Solutions, Inc. use?
It reports 2 custodians for its clients’ separately managed accounts: BNY Pershing and Tiaa-Cref Individual & Institutional Services. On Schedule D of its Form ADV filed May 13, 2026, it reports these amounts held: BNY Pershing ($1.4B); Tiaa-Cref Individual & Institutional Services ($1.3B). Form ADV lists only custodians holding 10% or more of separately managed account assets.
Is Retirement Income Solutions, Inc. a hybrid RIA with a broker-dealer?
Retirement Income Solutions, Inc. reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Is Retirement Income Solutions, Inc. a fiduciary?
As an SEC-registered investment adviser, Retirement Income Solutions, Inc. owes its advisory clients a fiduciary duty under the Investment Advisers Act of 1940, which includes duties of care and loyalty. It reports no employees who are registered representatives of a broker-dealer.
Where these numbers come from
Every figure is Retirement Income Solutions, Inc.’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-05-13), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Its national rank compares it with every US-based independent wealth management RIA, the same field as The Largest RIAs. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →