Advanced Insurance & Financial Strategies for Growing & Protecting your Wealth
Your source for Insurance, Retirement, Risk Management & Business Planning
|We can help you with comprehensive planning for the following Insurance Services:
Life Insurance Planning
Disability Income Planning
Long Term Care Solutions
Medicare Supplement Coverage
Additional Services include:
Review of current Insurance/Financial Position
Safe Money Alternatives
Coordination of Insurance & Investments
||Our goal is to develop financial strategies for Asset Growth, Tax Minimization and Wealth Preservation:
Principal Protection and Risk Control Strategies
Tax Free Retirement Income Planning
Income Maximization Retirement strategies
Employee and Executive Planning
Low Risk Managed Investments
Savings Strategies Toward Retirement
Social Security & Pension Maximization
Annuity Income Planning
RFS Financial is an Independent Insurance and Financial Services Business. We guide and educate Individuals, families and business owners in maximizing their financial potential. We evaluate our clients individual circumstances and based on that information provide the best advice, options and planning for their unique needs.
We help our clients Accumulate, Preserve and Distribute wealth while helping them to maintain their standard of living now and in retirement and provide planning solutions that bring financial peace and stability. We show you ways to protect your financial security through all phases of life and put your money to work harder and smarter using tax efficient insurance and investment strategies while mitigating your exposure to risk.
We pride ourselves on delivering the highest level of professional service possible while helping people identify and attain their financial goals. We have relationships with dozens of insurance companies and strategic partners allowing us to provide the best financial solutions for their needs and ability to shop the market for the most suitable coverage with the best rates. We provide unbiased advice, attention to detail and a commitment to our clients so they can invest wisely, make sound decisions and focus on family and business.
|Quickly and easily submit your quote requests online or give us a call at 973-285-1040 and ask us any questions you may have.
| Insurance * Retirement * Wealth Preservation * Small Business Planning
Income Maximization * Low Risk Managed Investments
* Extraordinary Service *
Planning & Insurance Strategies
you don't have to die to use
'Living benefits' on Term or permanent life
insurance. Access the death benefit for:
Terminal, Critical and Chronic Illness.
|Do you protect your
You protect your family, home and auto
with insurance. What about your ability
to earn income? Learn about affordable disability insurance strategies?
Will you have enough income for
a long retirement? What are the risks
to retirement success?
| High Risk Life Insurance
Have you been told you're uninsurable? Are you a smoker? There may be better and more affordable coverage options available for the hard to insure...
|Long Term Care Solutions
Would long term care expenses effect
your retirement plans? Concerned about the cost of traditional LTC insurance and
never using it? There are options...
|Social Security Maximization
There may be ways to increase
your social security benefits you may
not know about.
|Charitable Income Planning
Are you in a high tax bracket?
Do you need an income tax deduction, retirement income and have a desire to leave a charitable legacy?
Are you paying for life insurance you may
not need any more? An alternative to the
lapse or surrender of your life insurance policy. You may be able to sell it for cash.
|Estate Planning Basics
Are your wills and trusts up to date.
Important estate planning documents
you should know about.
Cash Value Life Insurance
Corporations, college endowments
and banks have been using cash value
life insurance for years as an asset class.
Learn how cash value life insurance can help enhance
your overall financial portfolio...
Guaranteed Retirement Income
with Annuity based strategies
Will market volatility, rates of return and
sequence of returns in the preceding and
beginning years of retirement impact
your future plans...
More Financial Concept Videos
|The financial concepts illustrated in all videos are for educational and informational purposes only. They do not constitute an offer to sell, a solicitation to buy or a recommendation regarding any securities or insurance transaction . Until a complete financial evaluation is conducted, no specific recommendations can be made for your particular situation and needs.
Additional Helpful Content From Our Resource Library
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We'll briefly discuss your financial situation, time frame, goals and objectives;
with no obligation, we'll answer any questions you may have, and go from there...
Request a Quote or Consultation: or call 973-285-1040
“Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered. Insurance and annuity products are sold separately through RFS Financial & Insurance Services . Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade, Jefferson National Life Insurance Company, Security Benefit Life Insurance Company and ED&F Man Capital Markets.”
CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP (with flame logo)® are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.