Todd Kephart

CFP®, MBA

Retirement Income Solutions, Inc.

Financial Advisor

Todd Kephart

CFP®, MBA

Retirement Income Solutions, Inc.

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Todd Kephart, CFP®, MBA

(734) 769-7727

Fee-Only financial planner located in Ann Arbor, MI, serving clients locally and across the country

Todd Kephart is a Ann Arbor, MI fee-only financial planner. Retirement Income Solutions, Inc. provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Todd Kephart is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Todd Kephart is a Managing Partner. He joined Retirement Income Solutions, Inc. in 2009. Todd provides financial planning and general investment advice to clients. He prepares retirement plans and coordinates account set-up, transfer and implementation for new clients. He coordinates recommendations regarding investments, seasonal moves and other active trading. 

Todd earned a BS in Accounting from Lehigh University and an MBA from the University of Michigan. He worked for 14 years at TIAA-CREF, spending time in Denver, Colorado, Southfield, Michigan, and Ann Arbor. Most recently as a Senior Wealth Management Advisor at TIAA-CREF, Todd provided investment advisory services to high net worth individuals in the Ann Arbor area and university presidents around the Midwest.

In 2005, Todd was among the first group of advisors hired for TIAA-CREF’s Wealth Management Group. Three years later, he was one of five advisors nationwide selected to co-architect the new position of Senior Advisor.

Education

  • 1992, BS, Lehigh University, Accounting
  • 2003, MBA, University of Michigan Ross School of Business
  • 2005, College for Financial Planning, Chartered Retirement Planning Consultant (CRPC)
  • 1999, College for Financial Planning, Certified Financial Planner (CFP®)
  • 1999, College for Financial Planning, Chartered Mutual Fund Counselor (CMFC)
  • 1997-1998, American College, Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU)

Experience

  • 1992-1993, SEI Investments
  • 1994-1995, American Century
  • 1995-2009, TIAA-CREF

Community Involvement

  • Board Member, MidWest Financial Credit Union (2005-2010)
  • Board Member of the Ann Arbor Rotary Club
  • Chair of the Board of the Arbor Hospice Foundation
  • Trustee of Cleary University, Vice-Chair Washtenaw County

Todd Kephart is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Retirement Income Solutions has been serving the greater Ann Arbor community since 1982.  We are independent, objective, and unbiased in our financial advice, and we develop investment strategies that are uniquely suited to each client. We believe that a key element in our efforts to grow your investments over time is to take forward-looking actions that are focused on future expectations, not recent history.

Independent Financial Advisor

As a fee-only, independent financial advisory firm, we do not work for a major money manager, bank, insurance company or brokerage firm. We work only for you. That’s why we have the freedom to make decisions that truly put your best interests first. Learn about the advantages of working with us.

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Proactive Approach

With our knowledge, experience and investment acumen, we offer a unique approach to managing your family’s finances – growing and protecting your wealth. Our approach to investing is data-driven and encompasses a range of considerations, such as seasonal trend, presidential election cycles and other indicators, and could provide the proactive solution you’re looking for. We do not guarantee results, but believe our approach provides an advantage over simple buy and hold investing.

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TIAA-CREF & Fidelity Management

As an independent investment advisory, and through our relationship with TIAA-CREF and Fidelity, we have the ability to actively manage your university investments on your behalf. While employees of TIAA-CREF and Fidelity can discuss plans and investment options with you, they cannot act independently, comprehensively, or proactively on your behalf. But the Retirement Income Solutions team can.

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Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Todd Kephart is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Todd Kephart is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

Contact Todd Kephart

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Office Locations:

  • 455 E. Eisenhower Parkway
    Ann Arbor, MI 48108

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