H. Todd Kephart, CFP®

Managing Partner

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


University of Michigan Ross School of Business


Lehigh University

BS, Accounting

College for Financial Planning

Chartered Retirement Planning Consultant (CRPC)

College for Financial Planning

Chartered Mutual Fund Counselor (CMFC)

College for Financial Planning

Certified Financial Planner (CFP®)

American College

Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU)

Community Involvement

Ann Arbor Rotary

Commitee Chair of the annual Rotary Food Drive to support Food Gatherers

Ann Arbor Rotary Endowment


Ann Arbor Safe House

Board Secretary (2017–2022)

Ann Arbor Rotary Club

Board Member (2013–2014)

Arbor Hospice

Board Member (2010–2015)

Arbor Hospice Foundation

Chairman of the Board (2013–2014)

Cleary University

Trustee (2010–2013)

MidWest Financial Credit Union

Board Member (2005–2010)



Senior Vice President and Portfolio Manager

Retirement Income Solutions, Inc.




American Century


SEI Investments

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