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

Mike Kwiatkowski , CFP

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...

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

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

Joanie Kwiatkowski

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

Kristina Hopp

Director of Operations

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

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

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A Guide to Pensions & Retirement Benefits

Ryan Kwiatkowski |
Categories
Retirement
Investments
Tax Planning
How much do you really know about retirement benefits? If you’re like most Americans, it’s not that much. In fact, most of us have fairly poor “retirement literacy,” especially when it comes to the finer points of retirement benefits. 1 That may not seem like a big deal, but it can give rise to all sorts of landmines in the future, possibly derailing your retirement plans and goals. It could also impact your quality of...

Practical Tips: How to Avoid These 4 Estate Planning Missteps

Ryan Kwiatkowski |
Categories
Finance
Lifestyle
Estate Planning
First, let’s start by uncovering the most common mistake in estate planning… Surprisingly, this frequently made mistake might already be on your doorstep. A staggering number of people haven’t yet started an estate plan. It’s a critical oversight that can have far-reaching implications, but this isn’t the only pitfall that can disrupt your planning efforts. Here’s a breakdown of 4 estate planning missteps and how to fix them: Mistake #1: Neglecting to Update Your Estate...

Your Role & Responsibilities as an Agent in a Power of Attorney (POA)

Ryan Kwiatkowski |
Categories
Investments
Finance
Tax Planning
Insurance
Estate Planning
A power of attorney (POA) can grant you certain authority and specific responsibilities. While the extent and limitations of POAs can vary based on many factors, stepping into the role of power of attorney can be unlike anything else. That’s because it puts you in the driver’s seat to make key decisions and oversee vital needs for someone else. That doesn’t mean that POAs come with carte-blanche powers or that one power of attorney will mirror another. Explaining how POAs work, this guide shares more fundamentals, detailing some common types of powers of attorney and the responsibilities you may have as an agent of one of these devices.