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Our role as financial advisor is to help our clients focus on the goals of "growing and preserving their wealth." We work with clients to help them make informed investment decisions using multiple approaches to diversify. We work with them to help them avoid typical mistakes and assist them with their estate and tax planning.
There are five steps we take to help you reach the goals of growing and preserving your wealth. We help you:
For retirees, there is a sixth step. We help retirees create a plan designed to generate income in a tax efficient way so that they are comfortable with their sources of income during retirement.
We believe the way to grow and preserve wealth is by active investment management. This is particularly important given the current investment environment and the prospect of rising interest rates in the years to come. We expect that investors utilizing a buy and hold strategy may have returns that they will likely find unacceptable over the next five to ten years.
We are a fee-based advisory firm where our interests are in line with your interests. We are viewed as trusted advisors who want to help quarterback your family’s investment and other financial affairs. We provide advice about investments, estate planning, long-term care insurance, life insurance, taxes, mortgage refinancing, and college funding. Often, we manage various types of investments for clients who bought them prior to becoming clients of ours. We do not, however, prepare tax returns, prepare legal documents, sell life or long-term care insurance. We also do not "sell investment products.;" We educate clients and provide advice to them.
Our firm, Retirement Income Solutions, Inc. (RIS), is an independent registered investment advisor. Our independence from being owned by, or affiliated with, a bank, insurance company, mutual fund company or brokerage firm enables us to make unbiased recommendations rather than ones that might favor an affiliated service provider.
There are few firms in the Ann Arbor and southeastern Michigan areas that can provide advice on individual, joint and trust accounts in conjunction with 401ks, 403bs, TIAA-CREF, IRAs and other retirement accounts. RIS specializes in giving advice in all these areas and provides a strategy which addresses all family accounts. A key part of our advice is setting appropriate goals and that means helping clients focus on the important financial issues, not just those selective issues on the minds of clients. Our educational backgrounds and years of investment experience through many investment environments results in us knowing that the education of our clients is a key aspect of the services we provide.
We welcome you to our web site and hope that it encourages prospective clients to call 734-769-7727 for a complimentary initial interview. After that interview, we can provide a free second opinion of your portfolio. This analysis would include the appropriateness of your investments in light of your goals, the overall risk of the portfolio and what changes we believe are appropriate. The following section can guide you to areas on the web site that might interest you.
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Our Active Portfolio Management seeks to reduce clients' equity percentage during seasonally weak periods and increase the equity percentage during strong seasonal periods. Our Mutual Fund, Stocks and Bonds Advice helps clients evaluate their retirement and private family accounts. Our 401k, 403b, TIAA-CREF and Fidelity Advice recommends which available funds to select, which to avoid, and how much to invest in each fund. Our Retirement Planning allows you to determine if you can retire when you want and, if not, what you can do about it. |
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Our Retirement Decision-Making and Implementation Advice helps you make investment and other decisions and avoid costly mistakes. Our Estate Planning Advice suggests alternative plans to benefit your heirs and reduce your taxes. We Coordinate Investing in Retirement and Private Accounts and provide consolidated reporting for all accounts. We help with Personal Financial Decisions regarding, for example, long-term care insurance, college funding, auto buy vs. lease, mortgage refinancing, etc. We serve as Quarterback of Your Family Affairs when you are alive and after you pass away. |
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Who We Are. RIS was founded in 1992 by its two principals - K. Larry Hastie and R. Griffith McDonald. Both have strong credentials and have more than 25 years of experience providing financial advice. R. Griffith McDonald has been included as one of the nation’s top 250 financial advisors by WORTH Magazine for five years – and there were only seven in Michigan. K. Larry Hastie has served as Executive Vice President of Michigan National Bank with overall responsibility for the bank’s trust department, discount brokerage, and investment advisory activities. Griff and Larry, along with a team of fifteen others, are dedicated to providing personalized advice and services to our clients.
If you are too busy with your career, or other activities that you enjoy, and are not spending appropriate time watching over your investments and other financial affairs, then you need to find an experienced advisor you can trust to assist you on an ongoing basis. Doing so will give you the peace of mind in knowing you are doing the right things today and in the future to enjoy your retirement years. You owe it to your family, don’t you?
Retirement Income Solutions, Inc. is an independent Registered Investment Advisor.
© Copyright 1992-2010, Retirement Income Solutions, Inc.
734-769-7727 | 800-360-1953
