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 Naperville, Illinois and southwest Florida. 

The professionals at Retirement Solutions will work with you to assess your needs, determine your goals, and develop an objective 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

Mike Kwiatkowski headshot
Founder, Co-Chief Investment Officer (CIO) and Wealth Advisor

Mike brings more than 30 years of investment management experience and insight to business owners, individuals and...

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...

Co-Chief Investment Officer (CIO) and Wealth Advisor

Caroline joined Retirement Solutions in 2021 after working for 20 years in institutional investment management.  As of...

Joanie Kwiatkowski headshot
Managing Partner / LPL Registered Administrative Associate

Joanie is a Managing Partner/LPL Registered Administrative Associate and cofounder of Retirement Solutions. She and her...

Kristina Hopp headshot
Director of Operations

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

Jupiter headshot
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

In a perfect world, every money decision we make would be totally rational. We’d consider all of the facts. Then, we’d balance them with the risks to make the most logical choice available. 1 That sounds simple. Yet it doesn’t happen as much as it should in the real world. 1, 2 That’s because many of us aren’t relying on logic and the facts to make financial decisions—and we probably don’t even realize it. 2...
Smart investing doesn’t happen in a vacuum. Current events matter, and this year, the 2024 Presidential Elections are taking center stage. That’s rattling a lot of us, causing more election stress than ever before. 1 It’s also raising a lot of questions about investing in election years, how to respond to market uncertainty, and what money moves truly make sense. Here’s a handful of key factors to keep in mind when you’re investing in an...