Pamela A. Loduca-massa

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CRD#: 1498574

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Pamela Ann Loduca-massa, CFP®, who also goes by Pam Loduca, Pamela Loduca, Pam A Loduca-massa, Pamela A Loducamassa, Pamela Ann Loducamassa, was a registered financial professional .

Pamela is a previously registered financial professional and started their career in finance in 1986. Pamela had worked at 11 firms and has passed the Series 65, Series 63, Series 7, Series 24 and Series 26 exams.

Question & Answer

What are your service offerings?

Retirement Income Management

Comprehensive Financial Planni...

Retirement Planning

Investment Planning

Are you a "fiduciary"?

Aliases

Pam Loduca | Pamela Loduca | Pam A Loduca-Massa | Pamela A Loducamassa | Pamela Ann Loducamassa

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1993

Experience

Past

March 28, 2014 - May 1, 2023

RETIREMENT INCOME SOLUTIONS, INC.

RIA

CRD#: 110145

ANN ARBOR, MI

Past

October 17, 2007 - October 1, 2013

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

RIA

CRD#: 20472

CARMEL, IN

Past

October 15, 2007 - October 1, 2013

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

CRD#: 20472

CARMEL, IN

Past

February 15, 2006 - July 9, 2007

METROPOLITAN LIFE INSURANCE COMPANY

CRD#: 4095

TROY, MI

Past

February 15, 2006 - August 9, 2007

MSI FINANCIAL SERVICES, INC.

CRD#: 14251

TROY, MI

Past

September 5, 1997 - December 31, 1999

INVEST FINANCIAL CORPORATION

CRD#: 12984

APPLETON, WI

Past

March 9, 1995 - September 9, 1997

FORESIDE FUNDS DISTRIBUTORS LLC

CRD#: 31334

PORTLAND, ME

Past

October 26, 1993 - August 10, 1994

BNY MELLON CAPITAL MARKETS, LLC

CRD#: 17454

NEW YORK, NY

Past

March 25, 1991 - September 15, 1993

WILMINGTON BROKERAGE SERVICES COMPANY

CRD#: 14942

WILMINGTON, DE

Past

January 25, 1991 - October 8, 1993

RODNEY SQUARE DISTRIBUTORS, INC.

CRD#: 18847

WILMINGTON, DE

Past

January 10, 1989 - May 11, 1990

INDEPENDENCE ONE BROKERAGE SERVICES, INC.

CRD#: 17529

FARMINGTON HILLS, MI

Past

May 23, 1986 - December 15, 1987

E. F. HUTTON & COMPANY INC

CRD#: 235

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

RETIREMENT INCOME SOLUTIONS, INC.

CRD#: 110145 / SEC#: 801-71319

RIA

Registered Investment Advisory firm - (4/12/2010 Approved)

California

Registered Investment Advisory firm - (4/29/2010 Terminated)

Illinois

Registered Investment Advisory firm - (3/18/2010 Terminated)

Texas

Registered Investment Advisory firm - (3/24/2010 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 12/12/2007

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 3/6/2006

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 2/14/2006

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 7/23/2013

General Securities Principal Examination

Principal/Supervisory Exam

Series 26

Date: 1/28/1992

Investment Company Products/Variable Contracts Principal Examination

Current Firm

RETIREMENT INCOME SOLUTIONS, INC.

CRD#: 110145 / SEC#: 801-71319

RIA

Registered Investment Advisory firm - (4/12/2010 Approved)

California

Registered Investment Advisory firm - (4/29/2010 Terminated)

Illinois

Registered Investment Advisory firm - (3/18/2010 Terminated)

Texas

Registered Investment Advisory firm - (3/24/2010 Terminated)

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Contact information

Main Address

2301 Platt Road Suite 300, Ann Arbor, MI 48104

Mailing Address

Phone number

(734) 769-7727

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (20 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

RIS ADV 3.27.2025 (3/27/2025)

Regulatory assets under management

Total Number of Accounts	1,268
AUM (Assets Under Management)	$ 2,656,768,805

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
11/07/2025	Cover Page	Report
10/09/2024	Cover Page	Report
10/10/2023	Cover Page	Report
12/03/2022	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

xxxxx@xxxx.xxx

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Firm Stability Insights

Pamela A. Loduca-massa

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

METROPOLITAN LIFE INSURANCE COMPANY

MSI FINANCIAL SERVICES, INC.

INVEST FINANCIAL CORPORATION

FORESIDE FUNDS DISTRIBUTORS LLC

BNY MELLON CAPITAL MARKETS, LLC

WILMINGTON BROKERAGE SERVICES COMPANY

RODNEY SQUARE DISTRIBUTORS, INC.

INDEPENDENCE ONE BROKERAGE SERVICES, INC.

E. F. HUTTON & COMPANY INC

Primary Firm SEC Registration

RETIREMENT INCOME SOLUTIONS, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 12/12/2007

Series 63

Date: 3/6/2006

Series 7

Date: 2/14/2006

Series 24

Date: 7/23/2013

Series 26

Date: 1/28/1992

Current Firm

RETIREMENT INCOME SOLUTIONS, INC.

Contact information

SEC notice filing (20 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

RETIREMENT INCOME SOLUTIONS, INC.

TRUST BUT VERIFY

Contact information

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