Retirement Income Strategies Inc.

Retirement Income Strategies Inc. provides discretionary asset management and ongoing portfolio management to individuals, high-net-worth individuals, trusts, business owners and estates, charging asset-based advisory fees billed quarterly in advance. The firm operates as a solo independent advisory practice and does not require a minimum to open an account.

Investment programs are tailored to each client’s stated goals, time horizon and risk tolerance and are implemented using fundamental analysis, strategic asset allocation, and discretionary trading authority. Portfolios may include mutual funds, ETFs, equities, fixed income and options, with quarterly reviews and rebalancing as market conditions or client circumstances dictate.

The firm’s owner and chief compliance officer is also a licensed insurance agent and president of an affiliated insurance company, devoting approximately 10% of his time to those insurance activities and offering insurance products for separate compensation; the brochure discloses this relationship and describes procedures and fiduciary obligations intended to mitigate the resulting conflict. Clients’ assets are custodied at Charles Schwab under the firm’s custody and brokerage arrangements, the firm generally does not vote client proxies (clients receive proxy materials directly), and the brochure discloses potential soft-dollar benefits associated with its custodian relationships.