Megan Flynn, CFA®

Megan Flynn is a Portfolio Manager at Retirement Income Solutions where she and other advisors manage the firm’s $2B assets under management and help 1,200 families prepare for and financially manage through retirement. She believes in the power of active listening, and works with her clients to make their dream retirements a reality.

Megan grew up on Long Island and, before settling in Ann Arbor, lived and worked in London and New York City.  Outside of work, she leads a Cycle for Survival team to raise money for rare cancer research.  She also enjoys travelling, exploring Ann Arbor with her partner, Mike, and dog, Molly, and spending time with friends and family.  She has a great appreciation for art, food, a good book, and all home renovation shows.

Evan LeRoy

Evan LeRoy is a Portfolio Manager at Retirement Income Solutions where he and other advisors manage the firm’s $2B assets under management and help 1,200 families prepare for and financially manage through retirement. He enjoys using the firm’s comprehensive methodology and resources to build portfolios that meet clients’ goals, and he channels the collaborative spirit of Henry Ford, who said, “Coming together is a beginning. Keeping together is progress. Working together is success.”

Outside of work, Evan stays busy with his three children and can often be found cheering at t-ball or soccer games, serving as a Den Leader for the Scouts, and taking his family on hikes around beautiful southeast Michigan. He loves visiting Hudson Mills Metropark, just north of Dexter, as part of a favorite family ritual: he and his family bike through the park on their way to the Dexter Bakery, where they enjoy doughnuts before continuing the ride.

Pamela Loduca-Massa, CFP®

Pamela Loduca-Massa is Senior Vice President and Portfolio Manager at Retirement Income Solutions where she and other advisors manage the firm’s $2B assets under management and help 1,200 families prepare for and financially manage through retirement. Pam joined RIS from TIAA-CREF and loves getting to know her clients and helping them understand how to move forward with their financial and life goals.

Pam enjoys spending time with her family, especially her young grandson, and staying fit with walks, spin classes, and weight training. She’s a big fan of Michigan summer—the hotter, the better!—and going for long walks on the river. Since she loves Lebanese food, her favorite place in Ann Arbor is Palm Palace.

John Goff, CFP®

John is a Managing Partner at Retirement Income Solutions (RIS), where he and his partners lead an advisory team in managing the firm’s $2B assets under management and helping 1,200 families prepare for and financially manage through retirement. John joined RIS from TIAA-CREF, and he prides himself on being the best resource for his clients, no matter what they need.

John and his wife Sherri have three children, with whom they enjoy going out on the lake, swimming, fishing, boating and kayaking. John also enjoys spending a lot of volunteer time at St. Joseph Church helping in the community.

Brock E. Hastie

Brock is a Managing Partner at Retirement Income Solutions (RIS), where he and his partners lead an advisory team in managing the firm’s $2B assets under management and helping 1,200 families prepare for and financially manage through retirement. Brock is driven to help clients understand the investment environment and empower them to feel confident about their future.

He brings that same focus on empowerment to the youth sports teams he coaches and the friends and family he plays tennis and skis with. In addition, Brock serves on the board of trustees of Ann Arbor Employees’ Retirement System.

Karen A. Chapell

Karen is a Managing Partner at Retirement Income Solutions (RIS), where she and her partners lead an advisory team in managing the firm’s $2B assets under management and helping 1,200 families prepare for and financially manage through retirement. She’s committed to giving her clients a good night’s sleep even as markets fluctuate and life events happen, serving as their partner in planning their futures.

Outside of work, Karen is active in the broader Ann Arbor community, serving on the boards of the University Musical Society and The Family Learning Institute, among others. Come the weekend, you’ll find Karen and her family cheering on U-M football or basketball with pride.

H. Todd Kephart, CFP®

Todd is a Managing Partner at Retirement Income Solutions (RIS), where he and his partners lead an advisory team in managing the firm’s $2B assets under management and helping 1,200 families prepare for and financially manage through retirement. Todd joined RIS from TIAA-CREF and he enjoys creating portfolios for clients that allow them to live out their goals. He’s also a big believer in Albert Einstein’s insight that “compound interest is the most powerful force in the universe.”

When he’s not working, Todd enjoys time with family and friends, travelling, reading, and watching the sunset over Lake Michigan. He also regularly gives back to his community, and was awarded the Distinguished Service Award by the Rotary Club of Ann Arbor in 2020.  His favorite place in Ann Arbor is the Huron River where he fly-fishes and kayaks with his family