H. Todd Kephart, Vice President & Portfolio Manager

Educational Background:

1992            B.S., Lehigh University, Accounting
2003            M.B.A., University of Michigan Ross School of Business
2005            College for Financial Planning, Chartered Retirement Planning Consultant (CRPC)
1999            College for Financial Planning, Certified Financial Planner (CFP)
1999            College for Financial Planning, Chartered Mutual Fund Counselor (CMFC)
1997-1998   American College, Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU)

Business Background and Experience:

1992-93 SEI Investments
1994-95 American Century
1995-2009 TIAA-CREF

In 2005 at TIAA-CREF, Todd was among the first group of advisors hired for the newly created Wealth Management Group. Three years later, he was one of five advisors, out of 250 nationwide, chosen to co-architect the new position of Senior Advisor. He provided a full range of wealth management services to high net worth individuals, primarily employees of the University of Michigan and Eastern Michigan University, but also to key executives at several major universities in the Midwest. He has appeared on local radio and television programs as a subject matter expert.

Community Activities:

Board Member: MidWest Financial Credit Union (2005-Present)
Member of Ann Arbor Rotary (2008-Present): Chair of the Food Gatherers Committee and Vice Chair of the Membership Committee
Recently elected to the Board of the Ann Arbor Hospice Foundation.

Retirement Income Solutions, Inc. is an independent Registered Investment Advisor.