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

4 Pervasive Myths About Inflation

Ryan Kwiatkowski |
Categories
Investments
Finance
4 Pervasive Myths About Inflation Inflation can feel inescapable these days. For most of us, it also feels like inflation is higher and more persistent than it actually is. 1 That could be because we’re seeing higher prices practically everywhere. 1 Despite our experience, though, that misperception can actually harm us. It can also be bad for inflation in general. 1 That’s because thinking inflation is worse than it is can stoke our fears of...

How to Beat Investing FOMO: The Power of Patient Wealth Building

Ryan Kwiatkowski |
Categories
Investments
Finance
Can you relate to any of the following? “I should have bought that stock before the company went public!” “What a shame — I wish I had invested in that new tech before it went mainstream!” What’s the next “unicorn” that will make a fortune?” It’s common to feel this way. Many of us experience “fear of missing out” — or FOMO — in our financial lives. 1 When we do, it can cloud our...
Digital art image of a business person looking through a large set of binoculars.

3 Investment Factors that Don’t Drive Long-term Returns

Ryan Kwiatkowski |
Categories
Investments
As a long-term investor, you’re always thinking about what factors drive your investment returns. Unfortunately, many investors focus on things that cause short-term changes and actually have no impact on long-term market returns. It’s not their fault – these myths are so commonly believed that many so-called “savvy investors” would preach to you of their importance. To help you make informed investment decisions, let’s look at three investment factors that, contrary to popular belief, don’t...