Your retirement isn’t a template. Your portfolio shouldn’t be either. You’ve spent decades building what you have. As retirement gets closer, you deserve more than a one-size-fits-all portfolio and a reminder to “stay the course.”
Husband-and-wife team Jenna and Patrick start by getting to know you: the income you’ll need, when you want to retire, how taxes fit in, and what keeps you up at night. Then they build a plan around your life and keep managing it with you.
Jenna and Patrick keep a close eye on the global economy, from interest rates and inflation to oil prices and markets overseas. When conditions shift, they review your investments and adjust rather than just waiting it out. Alongside an actively managed mix of stocks and bonds, they may add holdings like gold, silver or oil funds when they fit your plan. Many advisors leave these out entirely.
Many people near retirement have watched their longtime advisor retire and hand them off to a stranger. Jenna and Patrick are both under 50, and are building RPI to be here for the next 30 years of your plan and beyond. That covers your first retirement paycheck, every decision along the way, and someday helping your children and grandchildren carry on what you built. Some of their clients came to them just before retirement. Others had been retired for ten years or more and realized they deserved better guidance. Either way, it's never too late to have a plan that fits.
One flat advisory fee covers investment management and the planning that goes with it. It is based on the assets we manage, and it declines as those assets grow. Jenna and Patrick act as your fiduciary, so you are paying for the advice, not for a product. Retirement income, Social Security, tax strategy, cash flow, and estate decisions are part of the relationship. So is coordination with your CPA and attorney.
Jenna and Patrick work with individuals and families who are planning for retirement—or already retired. From helping more than 500 local families prepare for retirement to partnering with some of the region's largest employers, their experience runs deep. Whether you've changed jobs, are thinking about retiring, or have already started retirement, RPI can help.
Jenna and Patrick left Voya Financial to build an independent firm focused entirely on their clients. They help families across Michigan and have worked with some of the state’s largest employers. That dual experience is their edge: they know how to serve people and their individual investments, as well as the large group plans they retire through.
Behind the scenes, RPI is supported by Cetera, one of the nation’s largest networks of independent financial advisors. Cetera has more than $590 billion in assets under administration. That gives you the personal attention of a local, family-run firm, backed by the resources of a national network.
- Can I retire?
- When should I take Social Security?
- How will healthcare and long-term care costs affect my plan?
- How do I turn my investments into income?
- Am I going to run out of money?
- Am I investing correctly for the next 20–30 years?
- How do I minimize taxes?
- How much risk should I be taking?
- How much can I safely spend?
- What happens to my investments if the market drops 10%?
- How do I pass my assets to my beneficiaries without leaving them a tax burden?
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