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Our role as financial advisor for most of our clients is to help them focus on the twin goals of "growing and preserving their wealth." We work with clients to help them make smart decisions with their money using multiple approaches to diversification. We work with them to help them avoid typical mistakes and assist them with their estate and tax planning.
There are five steps in helping you grow and preserve your wealth. We help you:
For retirees, there is a sixth step. We help retirees generate consistent 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 your wealth is 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 will 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 financial affairs, if that is what you wish. We provide advice primarily on investments, but also advice in 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 do not "sell investment products;" we educate clients and provide advice.
Our firm, Retirement Income Solutions, Inc. (RIS), is an independent registered investment advisor. Our independence from being owned by a bank, insurance company, mutual fund company or Wall Street brokerage firm enables us to make unbiased recommendations rather than ones that might favor the advisor’s employer.
There are few firms in the Ann Arbor and southeastern Michigan area that can provide advice on individual, joint and trust accounts in conjunction with 401ks, 403bs, TIAA-CREF, IRAs and other retirement accounts. RIS can advise on all these areas and provide an integrated strategy for all the accounts that maybe appropriate for your family. A key part of that advice is setting appropriate goals and that means helping clients focus on the important financial issues, not just those issues on the minds of clients. Our educational backgrounds and investment experience cover many years and many investment environments, and we consider education of our clients 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 current investments in light of your goals, the overall risk of the portfolio and what changes we might suggest. The following section can guide you to areas on the web site that might interest you the most.
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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 with their retirement and Our 401k, 403b, TIAA-CREF and Fidelity Advice recommends which funds to select, which to avoid, and how much to invest in each fund. Our Retirement Planning allows you to see if you can retire when you want. If not, what can you do about it? |
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Our Retirement Decision-Making and Implementation Advice helps you make the right decisions and avoid costly mistakes. Our Estate Planning Advice suggests what you should be doing to benefit your heirs and reduce your taxes. We Coordinate Investing in Retirement and Private Accounts and provide consolidated reporting. We help with Personal Financial Decisions regarding 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 sixteen others, provide very personalized advice and service for our clients.
If you are too busy with your career or things that you enjoy and you are not spending appropriate time watching over your investments and other financial affairs, then you need to find an advisor that you can trust. Then, let him or her help you make sure 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 1992-2009, Retirement Income Solutions, Inc.
734-769-7727 | 800-360-1953
