# Retirement Income Solutions, Inc.

> Retirement Income Solutions, Inc. is an SEC-registered investment advisory firm in Ann Arbor, MI, registered since 2010, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated May 13, 2026.

- CRD: 110145
- Filed as: RETIREMENT INCOME SOLUTIONS, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ann Arbor, MI
- Filing period: October 2026
- Form ADV filing dated: May 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/110145
- AdvisorCensus page: https://advisorcensus.com/firm/retirement-income-solutions-inc-ann-arbor-mi-110145

## Quick answers

**How is Retirement Income Solutions, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Retirement Income Solutions, Inc. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Retirement Income Solutions, Inc. charge?**
Its Form ADV Part 2A brochure dated March 27, 2026 states: Flat fee: $1,500 (retirement and financial planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Retirement Income Solutions, Inc. located?**
Retirement Income Solutions, Inc.'s principal office is in Ann Arbor, MI, according to its Form ADV.

**Is Retirement Income Solutions, Inc. registered with the SEC or a state?**
Retirement Income Solutions, Inc. is an SEC-registered investment advisory firm, registered since 2010. Status as filed: Approved. CRD 110145.

**How much does Retirement Income Solutions, Inc. manage?**
Retirement Income Solutions, Inc. reports $2,972,359,471 in regulatory assets under management in its Form ADV filing dated May 13, 2026 (100% discretionary).

**How have Retirement Income Solutions, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Retirement Income Solutions, Inc.: Regulatory assets under management: $2,130,783,499 in the October 2021 data and $2,972,359,471 in the October 2026 data, up 39%. Total employees: 18 in October 2021 and 26 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Retirement Income Solutions, Inc. serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (869); individuals (other than high net worth individuals) (396); pension and profit sharing plans (but not the plan participants or government pension plans) (5).

**Which custodians does Retirement Income Solutions, Inc. use?**
Retirement Income Solutions, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Pershing Advisor Solutions LLC and TIAA-CREF Individual & Institutional Services, LLC as custodians holding 10% or more of its separately managed account assets.

**Does Retirement Income Solutions, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/110145

**Does Retirement Income Solutions, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated March 27, 2026 says: "There is a minimum account size of $750,000"

**What changed in Retirement Income Solutions, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 12 to 13. Regulatory assets under management went from $2,656,768,805 to $2,972,359,471 (+12%). Registered or notice-filed in NH.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 27, 2026)

- Account minimum: $750,000

> There is a minimum account size of $750,000

- Flat fee: $1,500 (retirement and financial planning)

> RIS provides retirement and financial planning for a fixed fee starting at $1500, depending upon the complexity of the plan.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Pershing Advisor Solutions LLC
- TIAA-CREF Individual & Institutional Services, LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $2,972,359,471
- Discretionary: $2,972,359,471
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 396 | $207,216,728 |
| High net worth individuals | 869 | $2,758,398,387 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 5 | $3,013,031 |
| Charitable organizations | 2 | $796,779 |
| Corporations or other businesses not listed above | 2 | $2,934,546 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2010 (16 years)
- Employees: 26 total, 13 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, DC, FL, GA, IL, IN, MA, MD, MI, MN, NC, NH, NY, OH, OR, PA, TX, VA, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- risadvisory.com
- Facebook @RETIREMENTINCOMESOLUTIONSINC
- LinkedIn @retirement-income-solutions

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $2,130,783,499 | 18 | May 4, 2021 |
| October 2022 | $2,403,823,289 | 18 | March 29, 2022 |
| October 2023 | $2,145,728,163 | 20 | May 16, 2023 |
| October 2024 | $2,421,756,308 | 23 | June 27, 2024 |
| October 2025 | $2,656,768,805 | 25 | March 27, 2025 |
| October 2026 | $2,972,359,471 | 26 | May 13, 2026 |

Regulatory assets under management: $2,130,783,499 in the October 2021 data and $2,972,359,471 in the October 2026 data, up 39%.
Total employees: 18 in October 2021 and 26 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 12 to 13.
- Regulatory assets under management went from $2,656,768,805 to $2,972,359,471 (+12%).
- Registered or notice-filed in NH.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Retirement Income Solutions, Inc. (CRD 110145): Form ADV filing data as of October 2026.