Retirement Income Solutions, Inc.

Retirement Income Solutions, Inc. (RIS) is a fee-only Registered Investment Adviser established in 1992 and registered with the SEC since 2010. RIS specializes in providing investment advisory services using Active Management, including the Seasonal Strategy. The firm's investment philosophy involves conducting a formal review periodically and reallocating assets as necessary. RIS exercises discretionary trading authority to direct purchases, sales, and other transactions in client accounts. The firm offers Asset Management and Review services customized to meet clients' needs and objectives, with a six-step process that includes determining risk profiles, setting investment policies, making asset allocation recommendations, and reviewing performance regularly. RIS charges fees based on a tiered structure for both Asset Management and Asset Monitoring and Review services, with a minimum account size of $750,000. Fees are billed quarterly in arrears and are negotiable based on account size and complexity. RIS does not charge performance-based fees or engage in side-by-side management. The firm provides services to various types of clients, including individuals, trusts, estates, pension plans, corporations, and non-profit organizations. RIS follows a Code of Ethics and does not engage in commission-based securities transactions. Clients' assets are maintained with a qualified custodian, and RIS has investment discretion to manage client accounts within specified guidelines. Proxy voting is handled directly by clients, and RIS does not provide advice on voting proxies unless requested. The firm does not require pre-payment of fees exceeding $1,200 per client in advance.