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

How Retirement Has Changed Over the Last 75 Years (And What It Means for Your Plan)

Ryan Kwiatkowski |
Categories
Retirement
Lifestyle
Finance
Retirement used to mean a short, quiet final chapter. For many people today, it's something else entirely. For much of the last century, retirement followed a fairly predictable pattern: work for decades, retire around age 65, and slow down. Today, that picture looks very different. Retirement has evolved from a brief final chapter into something much larger—a stage of life that may span decades and offer more choices than ever before. When Retirement Was Shorter...

Business Succession Planning: Built to Last vs. Built to Transfer

Ryan Kwiatkowski |
Categories
Finance
Retirement
Estate Planning
Family
Investments
Many business owners spend decades building something that works. The team. The reputation. The customers who keep coming back. Then comes a quieter assumption: that when it's time to step away, the rest will somehow sort itself out. Research suggests it usually doesn't. The Businesses That Quietly Run America Small businesses aren't a side character in the U.S. economy. They make up roughly 99.9% of all businesses in the country and employ nearly half of...

Checking Your Portfolio Isn't the Same as Reviewing It

Ryan Kwiatkowski |
Categories
Investments
Retirement
Tax Planning
Risk Management
Estate Planning
Nearly half of investors check their portfolio at least once a day. 1 Many of them aren't reviewing anything. They're refreshing a number. Watching it move. Sometimes celebrating. Sometimes panicking. But not actually evaluating whether the portfolio is built for the life they're heading into. That's a different exercise. And the years around retirement are where the difference starts to matter most. The Habit That Isn't Doing What You Think It Is Checking a portfolio...