Proactive Approach

We take a proactive approach to managing wealth on your behalf. Therefore, we do not recommend simply buying and holding all investments. Rather, we believe that a key element in our efforts to grow your investments over time is to also take action intended to grow your wealth at certain times and preserve your wealth at others.

Comprehensive for your convenience

We look at the big picture of your wealth management and advise accordingly. We have the ability to coordinate investments in all types of retirement accounts, including taxable accounts, and provide consolidated reporting. Our recommendations and strategies are customized to fulfill your personal objectives. Read about our comprehensive approach.

Beyond diversification

While we agree that diversification is an important investment concept, it does not by itself necessarily prevent portfolio losses. Many diversified investors experienced losses in the prolonged bear market of 2000–2002 and 2007–2009. At Retirement Income Solutions, we have developed approaches that go beyond basic diversification. This is one reason we recommend the Seasonal Approach to actively manage clients’ portfolios.

Buy-and-hold investing was a popular and effective strategy in the 1980s and 1990s.  Significant declines in interest rates and globalization combined to create rising stock prices and relatively low volatility. But buy-and-hold investing also generated some undesired outcomes (based on the S&P 500 index):

  • Peak-to-trough stock market index losses in 2000-2002 of 49%
  • Peak-to-trough stock market index losses in 2007-2009 of 57%
  • Zero total return (including dividends) from 1999 to 2010, often cited as “the lost decade”

Our active management approach focuses on the challenges of volatile bear markets. Read about our investment management approach.

Your quarterback of family finances

Working as your “quarterback” of family financial affairs, we are able to communicate with your CPA and estate-planning attorney, if desired. Many people have never coordinated their 401k, 403b, IRA and taxable accounts with a family advisor in this way. As we help you coordinate your plans and provide other insights, you’ll begin to realize that your retirement dreams may be attainable.


Past performance is not indicative of future results. This is for informational purposes only and not indicative of any investment or strategy result. The S&P 500 is an index of 500 stocks representing major U.S. industry sectors. It is not possible to invest directly in an index.

Risk of loss: There may be loss or depreciation of the value of any investment due to the fluctuation of market values and the recommendations or advice given. Investments we manage are subject to various market, currency, inflationary, economic, political, business and other risks, and Retirement Income Solutions, Inc. does not guarantee the future performance or the success of any recommendation. Losses can occur by using any investment strategy, including strategies employed by Retirement Income Solutions, Inc.

Learn more about

Our Team

Managing your

University TIAA
and Fidelity Accounts

Managing your

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