John N. Kalil, Jr., LUTCF

Founder & President

Thank you for visiting our website. On behalf of Retirement Solutions, LLC, I want to assure you that we are truly committed to helping you achieve all of your financial goals. Our team of knowledgeable, experienced and trusted financial services professionals are here to help guide you every step of the way while working diligently to ensure your complete satisfaction.

As the President and Founder of Retirement Solutions, I’ve always had an entrepreneurial spirit, solid work ethic and genuinely enjoy working with people. This can be traced back to my teenage years when I took great pride in operating a successful neighborhood yard care service and worked hard to achieve the rank of Eagle Scout. At that time, I could never have imagined myself doing anything besides working outdoors. To the contrary, I began an unexpected career as a Financial Services Representative with the Mutual of Omaha companies at the suggestion of a family friend and mentor. This was over twenty-five years ago. Needless to say, my financial services career has been nothing short of an incredible journey ever since. 

Over the years I have been blessed to have developed meaningful friendships with people from all walks of life. I have also had the opportunity to work with clients during some of the best and most difficult economic times ever recorded in our modern day history. These many experiences have proven invaluable and have set the stage for Retirement Solutions to be uniquely positioned as an emerging household brand.

In 2014, I restructured my entire financial practice under the current name Retirement Solutions, LLC, in order to better serve our region’s aging population as it relates to retirement preparedness. I also recognized that financial literacy was at an all-time low in the United States. I wanted to do something entirely different from my colleagues while at the same time helping those who are less fortunate. 

Since then, much of my efforts have centered on public speaking appearances and providing free financial education programs to communities throughout upstate New York for prospective retirees who are looking for some basic guidance. By no means, has this been an easy task. However, it has been extremely gratifying to give back and share some of the financial knowledge that I have been fortunate enough to have acquired over the years. As a result, this experience has provided me with the opportunity to have had well over 5,000 personal interactions with individuals nearing retirement in an effort to better understand their many financial concerns. In my opinion, that’s what makes this career so rewarding and differentiates Retirement Solutions from our competition. We truly understand our clients and have a much greater insight as to the kind of things that keep them up at night.

As we move forward, I am both excited and optimistic for the future as well as equally confident that Retirement Solutions, LLC and our team of associates can help you better prepare for your financial future.

You can also view an interview I did on Look TV here.


  • BPS, SUNY Polytechnic Institute, Utica, NY
  • AS, Mohawk Valley Community College, Utica, NY

Areas of Expertise

Outside of building our amazing team of financial professionals, guiding the firm's direction, and working on company growth, my areas of expertise are:

  • Retirement Income

  • Asset Protection 

  • Legacy Planning Strategies

Professional Credentials

  • LUTCF, American College, Bryn Mawr, PA

  • Life, accident and health insurance licensed (NY, FL, & NC)

  • FINRA Series 6 & 63 securities registrations (NY, FL, GA, & NC)

John Kalil is a Registered Representative of Hazard & Siegel, Inc. Securities are offered through Hazard & Siegel Inc., 5793 Widewaters Parkway, Syracuse, New York 13214. Member FINRA/SIPC. Advisory Services offered through Hazard & Siegel Advisory Services, LLC, an SEC Registered Investment Advisor.