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
Certified Financial Planner™

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

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...

Ryan Kwiatkowski headshot
Wealth Advisor

Ryan formally joined Retirement Solutions in 2015 but has been indirectly involved in the business since its founding as...

Kristina Hopp headshot
LPL Registered Administrative Associate

Kristina is an LPL Registered Administrative Associate who joined Retirement Solutions in 2015. With over 15 years of...

Linn Fricano headshot
Administrative Associate

Linn came to Retirement Solutions as a Client Services Specialist in 2021. With her high standards for quality service...

Jupiter headshot
Chief Barketing Officer

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.


Ryan Kwiatkowski |
Teens are adults in training and an important part of your family's financial picture. Help them build good habits so they're ready for the future.