Retirement Income Solutions

Retirement Income Solutions

Robert D. Schuchman established Retirement Income Solutions in 1992, anchoring the practice in Ann Arbor, Michigan. The firm operates as a federally registered investment advisor, structuring its services around financial planning, portfolio management, and retirement-specific advisory for individuals, high-net-worth families, and trusts. Rather than a generalist wealth manager, the practice is built to solve for the sequence-of-return and longevity risks embedded in drawing down assets over a multi-decade retirement horizon. The firm's strategy hinges on the distribution phase of the investor lifecycle, a domain where ordinary accumulation tactics can destroy capital. Asset-class exposure spans individual equities, fixed-income ladders, mutual funds, and insurance-linked products deployed within taxable and tax-deferred accounts. The advisory model integrates cash-flow planning, Social Security optimization, and required minimum distribution management. Geographic delivery is concentrated in the Midwest, primarily serving clients in Michigan and surrounding states through an in-person and virtual hybrid model. The practice is lean by design. Public records suggest a small professional footprint operating from a single office, which aligns with a service model centered on high-touch, customized planning rather than institutional-scale asset gathering. The firm maintains a custodian relationship with Charles Schwab & Co., a common infrastructure choice for independent RIAs that gives clients access to Schwab's platform for execution and reporting. No adjacent venture vehicles, philanthropic foundations, or co-investment clubs are publicly associated with the entity. In recent years the firm has continued to operate under its original core mandate — investment advisory services for retirees and pre-retirees — without announcing new fund launches, acquisitions, or restructurings. The firm's structural distinction is its sole focus on retirement income distribution. While most registered investment advisors build practices around asset accumulation and net-worth growth, Retirement Income Solutions is organized entirely around the actuarial and behavioral problem of spending down assets in a tax-efficient manner. This narrow aperture sets it apart from generic wealth-management competitors and creates a practice that functions more like a personal pension administrator than a traditional advisory firm.