is to guide a select group of clients toward a high level of financial confidence. We will listen to them and build a trusting relationship with them, delivering personal service with integrity and compassion.
Our passion for our work is evident in the unparalleled personal and responsive service we provide, and in our proactive approach to managing risk and seeking out suitable opportunities aligned with your individual goals and objectives.
As an independent consulting firm located in Naperville, Illinois, the professionals at Retirement Solutions, Inc. (RSI) will work with you to assess your needs, determine your goals, and develop an objective, unbiased strategy to help you work toward meeting your goals and objectives.
At RSI, our clients usually come to us with three primary goals:
• They want to protect their investment assets from adverse market volatility
• They seek strategies designed to support their income needs throughout retirement
• They need assistance in managing and organizing their finances
RSI Investment Process
We help families and professionals make informed investment decisions aligned with their needs, objectives and lifestyle goals. Our clients seek a competent team and proactive partner they can trust to manage their wealth.
Our experienced team will work with you as your advocate and guide, implementing the strategies necessary to progress towards your goals.
Our goal is to create a comprehensive financial roadmap that helps you meet your goals, while guarding against the perils that could keep you from reaching those dreams.
We are able to provide personalized investment advice using sophisticated model portfolios developed by the experienced research professionals at LPL Financial and refined by RSI to meet your unique needs.
Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations.
Managing your finances is an important component to any financial security plan. Money management strategies can help you manage your savings on a daily basis.
Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk.
Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations. Some find comfort in helping others who are less fortunate, while others simply want to share their good fortune.
Learn more about our amazing team of professionals.
CERTIFIED FINANCIAL PLANNER™
Mike brings more than 30 years of investment management experience and insight to business owners, individuals and families seeking a proactive and personalized approach to wealth management. In 2000, Mike and his wife Joanie co-founded Retirement Solutions in Naperville, Illinois to bring the extensive financial planning experience and comprehensive wealth management capabilities to a select group of individuals and families. Since its founding, Retirement Solutions has a relationship with LPL Financial, who acts as their broker/dealer. Mike acts as one of the firm’s two wealth advisors and focuses his time on market research, investment selection, and asset allocation while engaging with clients to understand their investment and lifestyle objectives.
Mike graduated from The University of Toledo in 1980 with a business degree in finance, and went on to work in investing at The Sylvania Savings Bank Co. and then as a bond trader at Van Kampen, Merritt. In 1986, Mike moved to The American National Bank in Chicago to trade government bonds. When the stock market crashed in 1987, he made a conscious decision to move out of trading and into a field where he could use his vast investment experience to make a direct impact on the lives of individuals. He moved to The Acacia Group in 1990 after completing his CFP to begin an investing and financial planning practice. Mike spent 10 years at Acacia, growing his practice and honing his skillset before founding Retirement Solutions.
Mike and Joanie have two children, Lisa and Ryan, and four grandchildren, Stevie, Gavin, Charlotte, and Ramsey. Mike is an avid bowler, having recorded three perfect games, and golfer, including two holes-in-one.
Joanie is a Managing Partner/LPL Registered Administrative Associate and cofounder of Retirement Solutions. She and her husband Mike Kwiatkowski have built a successful wealth management practice focused on meeting the challenges business owners, individuals and families face in growing, protecting and managing their wealth.
Joanie is an integral part of the team, working one-on-one with the firm’s clients to ensure their needs are met across a broad range of areas including account inquiries, review preparation, coordinating asset transfers accurately and on a timely basis, client communications and special event planning. Joanie is instrumental in ensuring all office practices and operations maintain compliance with industry standards. She is the firm’s primary liaison with the investment companies and business partners providing oversight across all business operations, including human resources activities and technology initiatives.
Before cofounding Retirement Solutions, Joanie spent 17 years in the nursing field, specializing in pediatrics. She graduated from The Toledo Hospital School of Nursing in 1979 and holds Series 6, 63 and 65 Investment Securities registrations through LPL Financial. In her free time, she supports Hesed House, a homeless shelter in Aurora, IL, and enjoys spending time with her family, including her two children, Lisa and Ryan, and four grandchildren, Stevie, Gavin, Charlotte and Ramsey.
Phone: (630) 577-1800
Ryan formally joined Retirement Solutions in 2015 but has been indirectly involved in the business since its founding as the son of Mike and Joanie. He co-owns the business with them, securing continuity of the business for the next generation, and acts as one of the firm’s wealth advisors. His primary focus is on tracking the markets and ensuring client’s investment selections and asset allocations are properly aligned to their objectives. Ryan currently holds the Series 7 and Series 66 Securities registrations through LPL Financial.
Ryan was raised in Naperville, Illinois, graduating from Neuqua Valley High School before attending George Mason University where he played Division I Men’s Volleyball. He graduated with a Bachelor of Science from the School of Management in 2010 and then continued his volleyball career in Belgium, playing professionally until 2011. After returning to the states, Ryan took several sales roles at companies in Virginia and NYC before joining Retirement Solutions in 2015.
Ryan married Caroline in 2018 and they now have two young, boisterous kids, Charlotte and Ramsey. Outside of work and family time, Ryan enjoys going to the gym, playing volleyball, golfing, and traveling.
LPL Registered Administrative Associate
Phone: (630) 577-1800
Kristina is an LPL Registered Administrative Associate who joined Retirement Solutions in 2015. With over 15 years of prior experience in the financial services industry, she brings a high standard for quality service and understanding to help provide advisor support as they assist clients working toward their financial goals. Her duties include processing new account applications and paperwork, preparing documents for client reviews and responding to client requests. She assists in rebalancing current client accounts, executing trades and facilitating many additional aspects of account management. She is also part of the team responsible for developing financial plans for clients through data gathering and analysis.
Kristina graduated from Oregon State University with a bachelor’s degree in Finance concentrating on investments, and currently holds her series 7, and 63 registrations through LPL Financial. She and her husband, John, enjoy spending time with their two grown children, Kellie and Matthew. In her free time, Kristina enjoys being outdoors hiking, biking and walking their two goldendoodles.
Phone: (630) 577-1800
Linn came to Retirement Solutions as a Client Services Specialist in 2021. With her high standards for quality service and strong desire to help others, Linn provides great contributions to our team. She prepares new account applications and paperwork, processes account changes or requests, and assists in preparing client reviews.
Linn attended University of Illinois at Chicago where she studied business administration. Linn married her husband, Anthony, in 1990 and they reside in Palatine, Illinois with their three amazing (and tall) children. She spends her free time reading, writing, and traveling.
Chief Barketing Officer
Jupiter acts as a culture carrier for Retirement Solutions, bringing a positive attitude and unparalleled enthusiasm to his daily tasks. While his exact age, breed and work experience are unknown, he was rescued in  by Mike and Joanie and has been happily tagging along with the team ever since.
Submitted by Retirement Solutions, Inc. on December 4th, 2019
Ex-NBA All-Star Caron Butler focused and planned financially for his life after sports. Now Butler's talking to guests like Master P on his new 'Tuff Juice' podcast about how they make, and keep, their money.