Welcome to Riley Planning & Investments
Many firms default to the same 60/40 stock-and-bond mix for every client. That investment mix has struggled to deliver the growth and stability retirees need.
At RPI, we go further.
What makes RPI different?
We design around your specific situation and manage investments actively so a market drop like 2008 or 2022 doesn’t undo your plan. At RPI, “just ride it out” is not the strategy. We actively manage portfolios to help keep your retirement plan intact, including the use of gold and silver in recent years—something many other advisors don’t do, and something our clients have benefited from.
Who do we work with?
We work with individuals and families who have $300,000 or more in investable assets and are planning for retirement—or already retired. From helping more than 100 local families prepare for retirement to partnering with some of the region’s largest employers, our experience runs deep. Whether you’ve changed jobs, are thinking about retiring, or have already started retirement, we can help..
Local to Grand Rapids. You work directly with Jenna and Patrick.
See the Difference for Yourself
We encourage you to compare our portfolios with others you are considering. Review the construction, the fees, and the thinking behind each position.
We expect ours to stand out.
Jenna and Patrick have more than 30 Years of Combined Retirement Planning Experience
Local. Fiduciary. Personally Involved.
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 states largest employers including the State of Michigan Pension Plan and Corewell Health.
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.
We'll review your current investment strategy, retirement income plan and overall approach—and show you what we'd do differently.
No pressure. No obligation. Just an honest conversation.
Get Your Retirement Second Opinion →
RPI Services
Investment Management
As a fee-based financial services firm, RPI delivers personalized investment management that goes beyond simply picking mutual funds. Rather than relying exclusively on traditional stock-and-bond allocations, we consider a broader range of investments—including commodities such as gold and silver—when they make sense for the portfolio.
Financial Planning
Financial planning is for everyone—no matter your age or stage of life—and it’s a powerful tool to help you take control of your financial future with confidence. Whether you’re just starting your career, building a family, or preparing for retirement, a personalized plan can help you make smarter decisions, reduce stress, and grow your wealth over time.
Retirement Planning
Retirement planning goes beyond saving—it includes managing investments and taxes effectively in today’s ever-changing financial landscape. As your fiduciary, RPI will provide you with strategies to help optimize your portfolio, reduce tax burdens on your retirement income, and maintain stability while pursuing long-term growth.
Employer Retirement Plans
Whether you need to establish a new 401(k), 403(b), SIMPLE IRA, or SEP IRA—or you already have a plan in place—we can conduct a thorough review and, if it makes sense, transition the plan to RPI. We have worked with some of West Michigans largest employers and understand their plans.
Social Security Strategies
Social Security claiming decisions can be complex, with real consequences for your lifetime income. RPI advisors stay current on economic conditions and legislative changes to help you claim strategically and maximize your benefit.
K-12 and Higher Education Savings
Save for education with tax-advantaged strategies, including 529 plans and other accounts for minors. We help families plan for both K–12 and college with flexible, tax-smart options.
Life Insurance and long term care
Life insurance provides financial protection for your loved ones through a tax-advantaged payout. Long-term care insurance helps cover extended care costs while protecting your savings. RPI advisors tailor both to fit your goals and secure your future.
Inheritance Management and Estate Optimization
It's important to have an estate strategy built around today’s complex tax landscape, helping you keep more of what you’ve worked so hard to build. Our approach focuses on minimizing tax exposure and maximizing wealth transfer through personalized, forward-thinking planning. Protect your legacy with tax-efficient strategies designed to benefit you and the generations that follow.
Female-Specific Independence Strategies
RPI Advisors offer tailored financial independence strategies for women, including widows navigating a major life transition. We combine deep economic insight with personalized financial planning to help women make confident decisions about their investments, income, taxes, and financial future.
