Policies/Disclosures

The Retirement Income Solutions, Inc. web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information and links. Accordingly, the publication of Retirement Income Solutions' web site on the internet should not be construed by any consumer and/or prospective client as Retirement Income Solutions’ solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet.

The information provided herein has been obtained from sources believed to be reliable by Retirement Income Solutions. Retirement Income Solutions makes no representations or warranties as to its accuracy, timeliness, suitability or completeness and it should not be relied upon as such. Retirement Income Solutions accepts no liability for any direct or consequential loss arising from any use of this information or its contents.

Certain portions of Retirement Income Solutions’ web site (e.g. commentaries, newsletters, etc.) may contain a discussion of, and/or provide access to, Retirement Income Solutions’ (and those of other investment and non-investment professionals) recommendations as of a specific prior time period. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current recommendations. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Retirement Income Solutions or from any other investment professional. Retirement Income Solutions does not employ attorneys or accountants, and no portion of the Web site content should be interpreted as legal, accounting or tax advice.

The investment recommendations and/or assumptions made herein are not meant to be a prediction of future performance or events. Losses can occur from any investment or strategy, including those recommended by Retirement Income Solutions, and it is likely any assumption used herein will not occur as estimated. Factors such as size and performance of investment positions and accounts, length of time positions are held, the amount and timing of purchases and sales, client objectives and restrictions, tax issues, interest rates, cyclical securities price trends, news pertaining to investments and markets, changes in client plans, and other factors all influence performance and assumptions materially.

No investment strategy or investment plan, including a well-diversified portfolio rebalanced periodically, can guarantee a return or that losses will not occur.

Customer Privacy Policy

As our customer, you have trusted Retirement Income Solutions Inc. to help you achieve financial success and security. To maintain that trust, we are committed to protect the privacy and security of the personal information that we collect about our customers. This notice is intended to help you understand how we collect, handle, and safeguard that information.

We treat the personal information of our customers in a confidential manner. We do not provide any information to unrelated companies for the purpose of marketing their products or services to our customers.

When you establish a relationship with us, you are requested to furnish personal and financial information used to assist in assessing your investment objectives and goals. The information you share with us is often private and confidential, and we are therefore committed to its protection. In addition to the information collected, during the course of our relationship we may also collect a variety of nonpublic personal information from other sources. The confidential information we collect may include the following:

  1. Information we receive from you, such as your name, address, social security number, assets, income, investment objectives and other information as required by industry regulators.
  2. Information about your transactions, including balances, portfolio holdings, cash balances, margin balances, and customer statements. Also included may be portfolio evaluations.
  3. Information we receive from Pershing Advisory Services LLC, unaffiliated custodians and third party money managers, your accountant, attorney or other professional engaged by you.

Retirement Income Solutions, Inc. does not share customer information with any third party other than those that are authorized by you or that are required in order for us to provide services agreed upon by the client, service an account, execute a transaction, or if required to do so by regulation or law. We may share information with Pershing Advisor Services LLC, other third party money managers or unaffiliated custodians as is necessary to provide advisory services.

Retirement Income Solutions, Inc. has established policies to maintain physical, electronic, and procedural safeguards to maintain the confidentiality of the personal information of our customers. Appropriate measures are taken to ensure that access is available only to those individuals who need to know that information in order to provide our products and services.

Retirement Income Solutions, Inc. will provide notice to you of our privacy policy annually.  RIS reserves the right to make changes to the policy at any time for any reason.  You can always view our current policy online at www.risadvisory.com or contact us for a copy at ris@risadvisory.com.

Business Continuity Plan

Our Business Continuity Plan - RIS plans to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm's books and records, and resuming operations and services to our clients.  In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities during a period of business disruption.

Varying Disruptions - Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region.  Within each of these areas, the severity of the disruption can also vary from minimal to severe.  In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within 1 to 2 days.  In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within 3 to 5 days.  In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our web site www.risadvisory.com or our main phone number regarding how to contact us.  If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customers' prompt access to their funds and securities.

Please be aware that, while we have detailed plans in place, we cannot guarantee that we will be successful in achieving recovery in the times noted above.  For example, we may not be able to implement a plan during a disaster as quickly as we expect, or there may be disasters that we have been unable to anticipate and for which we have no plan.  Additionally, if parts of our plan are dependent upon third parties, we will have no control over the success or failure of the third party to respond appropriately to the challenges posed at the time of the disaster.

Managing your

University TIAA
and Fidelity Accounts

Managing your

IRA, Roth IRA, 401k,
Trust and Taxable Accounts