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The RFA Advantage

Our Mission

The RFA Advantage is our ability to define and understand the unique  circumstances of each client and to proved the expertise in the two  distinct disciplines: financial planning and investing.


Retirement  Funding Advisors, Inc., believes that the first step is to work closely  with each investor to create and document a long-term plan that  identifies and documents the investor's specific financial objectives,  risk tolerance and time horizon.
    
— For Plan Sponsors of 401(k) plans, we design an investment menu that  will allow each individual participant to have an opportunity to develop  a suitable investment strategy.  In addition, multiple model portfolios  are developed from the investment menu so that plan participants can  invest in a diversified and suitable manner, based upon their risk  profile.
 

— In the case of individual investors, there may be multiple strategies  for specific goals, such as saving for college education, preparing for  retirement and estate planning.  The underlying investments will be  chosen to maximize the tax efficiency of the portfolios.
 

— For endowments and foundations, consideration is given to maintaining a  sustainable balance between growing the portfolio and creating cash in  accordance with the spending policy of the organization.  
 

Our Process

Retirement  Funding Advisors, Inc., recognizes that investments tend to have  cyclical patterns that are difficult to predict with any degree of  consistency.  Therefore, the common theme for all investors is broad  diversification, so as to minimize the risk of substantial losses.
This is accomplished on three levels:
Asset Classes: Includes U.S. and foreign stocks, bonds and cash equivalents.
 

—  Investment Categories: Stocks- Includes multiple capitalization, with exposure to both growth and value oriented companies.
 

—  Bonds:  Includes taxable and tax exempt holdings with short, intermediate and  long term time horizons, as well as exposure to both corporate and  government issues.
 

—  Cash: Includes money market funds, certificate of deposits and ultra-short term bond funds.
 

Investment Managers: Retirement Funding Advisors selects well  established investment managers on behalf of its clients. The managers  are chosen based upon their proven long-term results within their area  of specific expertise. Consideration will be given to both actively and  passively managed strategies.
 

Retirement Funding Advisors, Inc., meets regularly with clients to  update their strategy, cash flow considerations, changing economic and  market conditions and the performance of the underlying managers.    Retirement Funding will recommend and execute the appropriate changes as  mutually agreed upon.
 

Retirement Funding Advisors, Inc. is a fee only investment adviser,  registered with the Securities and Exchange Commission.  All assets are  held in individual accounts established with Charles Schwab and Company, Inc.
 


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