Apex Retirement Services

RETIREMENT IS THE GOAL

APEX IS YOUR GUIDE TO GET THERE SAFELY

At Apex Retirement Services, we believe people can go anywhere to have their money managed. What makes us different is our focus on truly understanding you, your goals, your family, and your dreams for the future.

At Apex, service is at the heart of everything we do. We create a family-like atmosphere where clients feel genuinely cared for, not just financially, but personally. Our approach is both relaxed and confident, delivering sound, well-researched solutions designed to establish a solid financial plan for your future.

– RYAN SKINNER, PRESIDENT

SERVICES

We work in a true partnership with our clients, making their needs our goal and priority. We offer the following services, customized to the client.

As featured in:

Check out Ryan Skinner’s Amazon Best-Selling Book

If you’re uncertain about retirement, Taking Stock is the book for you. Ryan explains how to analyze future financial needs, secure definite sources of income (annuities and maximizing Social Security and pensions), prepare for worst-case scenarios with disability and long-term care insurance, guarantee your legacy with estate planning and asset distribution, and so much more. Remember, hope is not a plan. The best way to acquire worry free financial independence is taking action, and opening the pages of Taking Stock should be your first step!

Meet Ryan

Ryan Skinner, founder of Apex Retirement Services, has spent over two decades helping individuals and families retire with true peace of mind. Inspired at a young age by legendary investor Peter Lynch, Ryan credits his success to the many mentors who shaped his journey, believing that God and the universe placed the right people in his path at just the right times.

Guided by the belief that “leaders serve,” Ryan approaches his work with humility and purpose. For him, financial planning isn’t just about growing wealth; it’s about building relationships, protecting families, and creating a foundation that lasts for generations.

Ryan often tells his clients, “It’s not a me thing, it’s a we thing,” reflecting his view that every success is shared and every challenge is faced together.

Outside of work, Ryan’s greatest joy is being a dad to his daughter, Dylan. Dylan is a ray of light in his life, full of strength, grit, joy, and an unwavering positive attitude. Dylan, who has autism, has taught Ryan profound lessons about love, resilience, and what truly matters most.

Dylan inspires him to give back and to serve others, carrying her spirit forward in his work and in the way he shows up for his clients and community every single day.

Ryan’s practice is built on the belief that today’s retirees and those nearing retirement should have the confidence of knowing their savings are protected from market volatility.

We focus on strategies that safeguard what clients have worked hard to earn while also creating opportunities for steady growth and reliable income. Every plan is designed to reflect each client’s unique goals, providing both security and peace of mind for the future.

The Retirement my way advantage.

Our proprietary Retirement My Way process allows us to review your current financial plan and help identify missing pieces and areas of improvement.

This ensures all elements of your retirement are working together. Upon joining the Apex Retirement Services client family, you will have a clear plan to the road called Retirement!

If you have saved at least $250,000 in your retirement, here is what you’ll receive:

An Evaluation of Your Essential Monthly Spending vs. Discretionary Monthly Spending
A Social Security Analysis to Maximize Your Benefits
A Strategy for Optimizing Your Pension (if applicable)
A Personalized Plan that Guarantees Income for Life
A Custom Strategy to Close the Income Gap and Protect Your Nest Egg
An Investment Plan with a Securities Advisor to Determine how to position Your Remaining Assets
A Tax Analysis to Ensure Your Plan is Tax Efficient
A Secure Estate Plan to Protect Your Family Legacy
A Review of Your Current Insurance Policies to Ensure You Are Protected
A Yearly Assessment to Ensure Your Plan Achieves Your Ever-Changing Goals

What our clients say

We pride ourselves on building long-term relationships with our clients to help them meet their goals. If you’ve had an excellent experience working with our team, we’d love it if you would leave us a Google review by clicking the button below. Read on to learn about other satisfied client experiences.

We came to Ryan and Apex Retirement Services just as Maureen was retiring at age 66. A big chunk of our retirement savings was in her 401(k) from work. We knew we needed income during retirement but we weren’t sure of the best way to go about creating it. Ryan showed us a solution that allowed us to create guaranteed income for life using the money in Maureen’s 401(k). We loved it. What’s best is we don’t have to worry every day about what the stock market is doing because our income isn’t affected by it. And if our circumstances change, Ryan’s solution allows us to get access to our money when we need it.

We were referred to Ryan by both of our son’s in-laws, who are also his clients. Eileen and I were within a couple years of retiring and we remembered how devastating 2008 was for many folks we knew who were about to retire. The last thing we wanted being so close to retirement ourselves was a repeat of what happened to so many others when they lost money in the markets. Ryan understood immediately how concerned we were about the stock market. When he suggested solutions that would protect us against those losses and help turn part of our retirement savings into a lifetime income, we knew we had found the right guy.

When I retired from NStar, I had my 401(k) and my pension. It’s great to have a pension but I knew it wasn’t going to be enough for us to live on. And I was worried about which pension option to choose. Ryan and Apex Retirement Services showed us 2 great solutions. The first would create guaranteed income using the money in my 401(k). It sounded a lot like my pension which is what I liked about it. Jackie and I could use this money along with my pension money to live on during our retirement. The 2nd solution was a way I could take the bigger payout option from my pension and still protect Jackie when I passed away.

I’m a widow so when it comes to planning for my retirement, I’m on my own. I’m fortunate to have a pension so I knew I would have some income for the rest of my life, but it wasn’t going to be enough to cover all my expenses. To cover the rest of my expenses, I sold some property I owned. I figured I would just take what I needed on a monthly basis from the money I received from that. Ryan and Apex Retirement Services showed me a better way. By using part of the money from the property sale, I was able to create guaranteed income, which along with my pension, would be more than enough to meet my day-to-day expenses.

Your retirement journey starts here. Connect with Ryan and explore your options today.

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