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

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...

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...

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 to Stay Invested in Volatile Markets Without Losing Sleep

Ryan Kwiatkowski |
Categories
Investments
Risk Management
Savings
Market volatility can feel like a rollercoaster. Thrilling on the way up, stomach-churning on the way down. Even seasoned investors get a little uneasy when the market takes a dive. But here’s the thing: While market fluctuations are inevitable, maintaining a disciplined investment approach has historically helped investors stay on track toward their financial goals. If market swings make you nervous, don’t worry. You’re not alone. We’re going to walk through some key strategies to...

From Boomers to Gen Z: A Generational Look at Money Habits and Financial Choices

Ryan Kwiatkowski |
Categories
Lifestyle
What financial habits have helped you most in life? Which ones have held you back? No matter how you answer those questions, your money habits have a lot to do with how you grew up. 1 They also can be shaped by when you grew up. That’s because each generation can have a distinct perspective and different experiences shaping their approach to money and financial choices. With that, every generation can bring its own strengths...

7 Effective Tax Optimization Strategies for High-Net-Worth Individuals

Ryan Kwiatkowski |
Categories
Tax Planning
Investments
Retirement
Estate Planning
Real Estate
What does it take to minimize your tax bill, not just this year but in the years to come? The answer varies for each individual. Tax optimization strategies depend heavily on personal assets and financial goals, which are unique to everyone. However, nearly all high-net-worth individuals (HNWIs) share one common objective: reducing their tax obligations to the absolute minimum allowed by law. Achieving this often involves leveraging specific strategies and tools that can work together...