Meet the Team

Kevin J. Arndt, CFS

Kevin J Arndt, CFS  is  co-founder of Custom Retirement Solutions, LLC in Buffalo, New York.  Kevin has been involved with the securities industry since 1994. He spent time early in his career on a stock trading desk, then transitioned into a Financial Advisor. As the years went on, and Kevin became more experienced with investments and retirement planning, he still had a strong desire to help his clients. He started to realize the true importance of a planning first approach for his clients.

He set out to become an expert in the Social Security System and Retirement Planning…. and how to integrate this important asset along with all a clients investments, retirement plans, and pensions to create a truly comprehensive retirement plan for his clients.  Kevin realized the Social Security System is very complicated and Baby Boomers would stand to lose tens of thousands – if not hundreds of thousands of dollars over their lifetime if they did not properly plan how to take their money out of the Social Security Retirement System.  

Kevin has always placed his client’s best interest first, and he knows integrity is always number one. With this in mind, Kevin knew working for firms with proprietary products did not “fit” with his belief of always placing clients first. 

Kevin has a Bachelors Degree in Financial Planning, FINRA Licenses Series 7, 63, 65, 24, 51, Life Insurance, Health & Accident Insurance.  Kevin resides in Lancaster, NY with his five children. He is active in physical training, camping, and sports with his children.

Michael R. Borowiak Jr

Mike Borowiak joined Custom Retirement Solutions LLC in May 2024, bringing a passion for helping others achieve financial security. A Cheektowaga native, Mike graduated from West Seneca East High School in 2019 and earned his bachelor’s degree in Business Administration with a concentration in Finance from the University of Buffalo in 2023. Mike’s interest in finance began in high school, where he discovered the complexities and importance of financial planning.

His journey led him to realize that successful financial management involves more than just investing—it requires a comprehensive plan tailored to individual needs. At Custom Retirement Solutions, Mike is dedicated to helping guide clients through the intricacies of financial planning, ensuring they have a clear and sustainable plan that will last throughout their retirement.

In his free time, Mike enjoys golfing, playing hockey, jet skiing, and spending quality time with his family and his dog, Rambo.

Timothy L. Talbot

Tim, co-founder of Custom Retirement Solutions, has been involved in the financial services industries since 2009. He spent his first three years specializing in investments and retirement planning for his clients at Prudential Financial before joining Next Financial Group, Inc. 

During his time at Prudential, he held educational workshops that helped retirees understand the many complicated rules of social security and how to transition to retirement. He then partnered with Kevin and founded Custom Retirement Solutions LLC. with the goal to take the mystery out of investing, managing risk, preparing for retirement, and preserving wealth. Tim believes in the importance of using the “planning first strategy” to ensure his clients are able to make educated and sound financial decisions when transitioning to retirement. He currently resides in Lancaster, NY with his wife, son, and two dogs. He likes to spend his spare time with family and keeps active by playing baseball and hockey.

Justine M. Flynn

Justine has been in the Customer Service field for over 20 years and is instrumental in helping clients with all service needs. Her commitment to technology and organization has made Custom Retirement Solutions one of the Premier Retirement / Investment firms in Western New York. Her belief that every client matters shows through in her endless dedication and pursuit of excellence. Justine resides in Lancaster with her five children and is active in Camping, physical fitness, and sports with children.