Todd Kephart
Retirement Income Solutions, Inc. · Ann Arbor, Michigan
Todd Kephart is a fee-only financial advisor at Retirement Income Solutions, Inc. in Ann Arbor, Michigan, who holds the CFP and MBA credentials. Todd charges a percentage of assets and a one-time planning fee (one-time plans from $1,500 and 1% a year on the first tier of assets managed) and focuses on retirement planning, estate & legacy planning and pension planning.
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Specialties
Facts
| Firm | Retirement Income Solutions, Inc. |
|---|---|
| Based in | Ann Arbor, Michigan |
| Fee model | Percentage of assets · One-time planning fee |
| Fees (firm's website) | One-time plans from $1,500 · 1% a year on the first tier of assets managed · A $750,000 asset minimum |
| Accepting new clients | Yes |
| Assets under management | $2.97B across 1,274 accounts |
| Credentials | CFP · MBA |
| SEC registration | Investment adviser representative in CA, MI, TX · CRD 2271846 |
| Exams passed | Series 63 (1993) · Series 65 (2005) |
| Firm size | 26 employees |
| Disclosures | None reported |
| Website | risadvisory.com |
How Todd's firm compares
- A one-time plan starts at $1,500, above the Michigan median of $975 for fee-only firms that publish prices.
- Retirement Income Solutions, Inc.'s average account is about $2.3 million, from its Form ADV (assets managed divided by 1,274 accounts).
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Questions about Todd
Is Todd Kephart a fee-only financial advisor?
Yes. Todd Kephart is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Todd's firm.
How does Todd charge for financial advice?
Todd charges a percentage of assets and a one-time planning fee.
How much does Todd charge?
According to Retirement Income Solutions, Inc.'s website, checked October 28, 2026: one-time plans from $1,500; 1% a year on the first tier of assets managed; a $750,000 asset minimum.
Where is Todd Kephart based?
Todd Kephart is based in Ann Arbor, Michigan.
What does Todd specialize in?
Todd's specialties include retirement planning, estate & legacy planning and pension planning.
What credentials does Todd Kephart hold?
Todd Kephart holds the CFP and MBA credentials.
Is Todd Kephart registered with the SEC?
Yes. Todd Kephart is registered as an investment adviser representative in CA, MI and TX (CRD 2271846), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Retirement Income Solutions, Inc. manage?
Retirement Income Solutions, Inc. reports $2.97B across 1,274 accounts in assets under management.
How do I contact Todd Kephart?
Through Todd's website, risadvisory.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Retirement Income Solutions, Inc. website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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