Who Are We?

Retirement Solutions was founded over 20 years ago and is an independent, multi-generational, family owned and operated wealth firm with locations in Lisle, Illinois and southwest Florida. 

The professionals at Retirement Solutions will work with you to assess your needs, determine your goals, and develop a personalized strategy to pursue your goals.

Who Do We Serve?

  • Individuals and families planning for retirement and/or evaluating their current financial position
  • Those facing a life transition, such as the loss of a loved one or a divorce
  • People preparing to start a family or a new career, or to buy or sell a home
  • Business owners managing the sale of their business

What Do We Do?

  • Fully understand your family’s goals and needs
  • Help you create and execute a realistic and attainable financial plan
  • Proactively manage your investments through all market cycles
  • Keep you informed of events that impact your family’s finances on a timely basis

Our Team

Ryan Kwiatkowski

Chief Executive Officer (CEO) and Wealth Advisor

Ryan formally joined Retirement Solutions as a Wealth Advisor in 2015 but has been indirectly involved in the business...

Caroline (Allen) Kwiatkowski CFA®

Chief Investment Officer & Wealth Advisor

Caroline joined Retirement Solutions in 2021 after working for 20 years in institutional investment management.  In 2024...

Kristina Hopp

Director of Operations

Kristina joined Retirement Solutions in 2015 as an LPL Registered Administrative Associate and was promoted to Director...

Becca Wilson

Assistant Director of Operations

Becca joined Retirement Solutions in October 2024 as Assistant Director of Operations.  Her duties are to support the...

Jupiter headshot

Jupiter

Chief Barketing Officer - In Memoriam

Jupiter acts as a culture carrier for Retirement Solutions, bringing a positive attitude and unparalleled enthusiasm to...

We manage assets for individuals and families, providing investment management, and financial planning services.

Blogs

Tax Season Has Two Dates. Many People Only Show Up for One.

Ryan Kwiatkowski |
Categories
Tax Planning
Retirement
Finance
Savings
Ask people when “tax season” is, and many will say spring. That’s when the documents get gathered, the appointment gets booked, and the return gets filed. It’s also, for a lot of financial decisions, several months too late. The year the return describes ended on December 31. For a number of items, whatever happened in it is locked in. And for anyone within sight of retirement, that matters more than it used to, because the...

Are You Giving on Purpose — or Just in December?

Ryan Kwiatkowski |
Categories
Finance
Tax Planning
Estate Planning
Investments
Family
You know the season. Envelopes in the mailbox, messages in your inbox, and a cashier asking if you'd like to round up for a good cause. And somewhere between Thanksgiving and New Year's Eve, a lot of generous people make many of their charitable decisions in a hurry. In 2025, nonprofits received 37% of their annual online donations in December, with the final days of the year carrying much of that weight. 1 That's a...

Financial Impersonation Scams: What to Watch For

Ryan Kwiatkowski |
Categories
Privacy
Risk Management
Finance
Savings
Family
Many people picture a scam as something obviously off: a strange email, a robotic voice, a too-good-to-be-true offer. The more dangerous version sounds like rescue. A calm, professional voice tells you your bank account has been compromised, and they’re calling to help you fix it before it’s too late. That’s what makes it work. Impersonation scams, where criminals pose as banks, financial institutions and other trusted businesses, have become one of the more common ways...