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.
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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