What is a RINK?

If you are Retired, Indepdendent, with No Kids, you are a RINK. If you are not yet retired and don’t have children, the information on this website will help you better prepare for retirement.

No children to rely on in your golden years means you face different retirement and health care planning issues than would someone with children.

Some questions a RINK must consider:

  • Who will be there to take care of you if you get ill?
  • How is your estate planning strategy different from that of someone with children?
  • Who will take care of your pets if something happens to you?
  • Whom will you trust to watch and manage your money, as you get older?

Can We Help You?

The purpose of this website and blog is to provide financial planning information to people without children.

After 20 years of retirement and investment planning for clients, nationally recognized Fee-Only Certified Financial Planner, Ray Mignone, decided to write a book with specific financial strategies for people without children.

Please take a look at the information on our website and check for new blog updates to get our latest strategies for RINKs.  Our hope is that you will find this information useful.

Ray Mignone, CFP®, author of the book, RINKs, has been a personal financial advisor and Certified Financial Planner for over 20 years helping individuals make smarter decisions with their money.  To learn more about his Wealth Management services, visit www.RayMignone.com.

Who We Are

Raymond D. Mignone, CFP is an independent Fee-Only Certified Financial Planner since 1989; named Best Finanical Advisor for Doctors, is V.P. of Ethics......

What We Do

We are an independent fee-only personal wealth management firm serving physicians, busy professionals, retirees and especially people transitioning into retirement by ........

Why Choose Us?

Your lifestyle is unique and requires personalized planning; we will listen to what you want out of life and then make recommendations specific to your needs ......

Learn More About Us

Author of RINKs

A retirement planning book for people without children.

Best Advisor for Doctors

Recognized as a top financial advisor for medical professionals.


We work with your tax professional to help minimize your income taxes.

Fee Only Financial Planner

Understand how this benefits you by promoting objective advice.

Retirement Planning

Helps determine the best way to support your lifestyle in retirement.

Retirement Plan Specialist

We help you select and implement the best retirement plan for you.

Certified Financial Planner

Ray Mignone has been a Certified Financial Planner since 1989.

Intelligent Investment Portfolios

Better understand how our risk controlled investment strategies will benefit you.

How Planning Helps Click to watch the video

Personal Wealth Management

Optimize your wealth with proven strategies that combine financial planning and investment management.

Financial Planning

  • Detailed retirement & financial planning
  • 401k to IRA Rollover specialists
  • Estate & tax planning

Investment Management

  • Sleep better with Risk Controlled Portfolios
  • Strategic portfolio management
  • Tax smart investment strategies
  • Portfolios customized for each client