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 purrpose 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:
- 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.
- Information about your transactions, including balances, portfolio holdings, cash balances, margin balances, and customer statements. Also included may be portfolio evaluations.
- 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.