# Joseph Kettinger

> Joseph Kettinger is a fee-only financial advisor at Retirement Income Solutions in Ann Arbor, Michigan, who holds the CFP and ChFC credentials. Retirement Income Solutions reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joseph-kettinger/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Retirement Income Solutions
- **Based in:** Ann Arbor, Michigan
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $2.97B across 1,274 accounts
- **Credentials:** CFP, ChFC
- **CRD:** 5922046 (https://adviserinfo.sec.gov/individual/summary/5922046)
- **SEC registration:** Investment adviser representative in MI, TX
- **Exams passed:** Series 65 (2013)
- **Firm size:** 26 employees
- **Disclosures:** None reported
- **Website:** http://www.risadvisory.com

## Frequently asked questions

### Is Joseph Kettinger a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joseph holds no broker registration, and Retirement Income Solutions reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joseph charge for financial advice?

Joseph's firm, Retirement Income Solutions, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Joseph Kettinger based?

Joseph Kettinger is based in Ann Arbor, Michigan.

### What credentials does Joseph Kettinger hold?

Joseph Kettinger holds the CFP and ChFC credentials.

### Is Joseph Kettinger registered with the SEC?

Yes. Joseph Kettinger is registered as an investment adviser representative in MI and TX (CRD 5922046), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Retirement Income Solutions manage?

Retirement Income Solutions reports $2.97B across 1,274 accounts in assets under management.

### How do I contact Joseph Kettinger?

Through Joseph's website, www.risadvisory.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5922046): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.