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FINANCIAL PLANNING
Before the strategy. Before the portfolio. Before any recommendation.
There is a plan.
Your financial plan is the architecture that gives every other decision its purpose. At RFC, it is not a formality. It is the operating system — the foundation everything else is built on.
Start Your Plan
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Why Planning Comes First

Your financial life is not a set of separate accounts and decisions. It is an interconnected system — where a choice about your retirement plan affects your tax position, which affects your cash flow, which affects your asset preservation strategy.

Many financial relationships begin with a product. RFC works the other way. The plan comes first. Every recommendation that follows is tested against it.

The plan is not a document. It is a discipline — the commitment to understand before advising, to coordinate before executing, to measure every decision against what actually matters to you.
What A Plan Actually Does
  • Informs your investments' allocation, suitability and positioning.
  • Reveals the decisions that matter before they become urgent.
  • It gives your CPA and attorney a framework to work with, not around.
  • Turns a collection of accounts into a coordinated financial life.
Planning Tiers

Every financial life is different. Our tiers are designed to meet you where you are — and grow with you as your situation evolves.

Foundation
Clarity and direction · 12-month roadmap

Cash flow, debt positioning, insurance overview, retirement trajectory, goals clarification, written action steps.

Ideal for: Clients establishing a planning foundation for the first time.

Architecture
Full Integration · Every Dimension

WealthVision build, risk alignment, multi-scenario modeling, tax-aware strategies, benefits coordination, IRMAA/Medicare awareness.

Ideal for: Professionals in prime earning years managing interconnected complexity.

Opus
Multi-Layered · The Full Expression

Estate review, philanthropic strategy, multi-entity modeling, business transition planning, tax-lot liquidation sequencing, retirement income architecture, legacy modeling.

Ideal for: business owners, executives, liquidity events, multi-generational scope.

The RFC Planning Framework

We follow a seven-step planning framework. What distinguishes us is the RFC Signature Process — the specific tools, team, and approach that bring each step to life.

CFP® Professionals via LPL Financial
Modeling, scenario analysis, and architectural design — elevating the technical rigor of your plan.
LPL Research · CFA® Charterholders
Institutional-level analysis delivered personally through RFC — with your plan as the lens.
How your plan connects everything

A financial plan is only as valuable as what it coordinates. Here is what yours will anchor

Investment strategy
Your plan defines what your investments are actually for — the timelines, risk boundaries, and goals they need to serve. Without that context, a portfolio is just a collection of positions.
Income and retirement planning
From which accounts, in what sequence, with what tax implications? Your plan designs the architecture of your retirement income before you need it — not after.
Employer Benefits and Healthcare Decisions
FSA and HSA strategy, Medicare timing, IRMAA thresholds — these interact with your tax picture and retirement income in ways many people may not be aware of.
Insurance protection
Your plan identifies the gaps and right-sizes protection — without over-insuring or leaving exposure. Protection is a planning question, not a product category.
Business transitions
A business sale or practice transition is one of the most complex financial moments in a life. Your plan provides the framework that can help make those transitions structured rather than reactive.
Estate, tax, and philanthropic goals
Your plan coordinates with your estate attorney and CPA to ensure long-term intentions are built into the architecture — not handled as an afterthought in a separate silo.

The plan leads. Your strategy follows.

Everything else — the portfolio, the income strategy, the asset preservation structure
— follows from understanding what matters most to you. Let's start there.

Start Your Plan
Schedule a diagnostic conversation