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Are you saving enough for retirement…Are you prepared for risks to retirement income.Get a Quote
Help your business to attract, retain and reward the best employees.Get a Quote
Long term care solutions can be confusing...we’ll help you understand your options.Get a Quote
Medicare Supplement Planning...We'll help make it simple.Get a Quote
Financial Solutions for your peace of mind...Invest with Safety, Security & Stability.Get a Quote
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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
Health Insurance

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
Life/Health Life/Health Retirement
Life Insurance
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
greatest asset?

You protect your family, home and auto
with  insurance. What about your ability
to earn income? Learn about affordable disability insurance strategies
Retirement Security

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? 
Life Settlement

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.
Featured Topics

Small Business Planning

Retirement Income Strategies
Executive Compensation
Key Person Insurance
Estate Planning
Business Succession

Employee Group Benefits
Free Business Valuation

Tax Free Retirement Planning
to help Manage your Tax Bracket

What's your biggest expense in
retirement? Housing - No, health care- No,
TAXES! How will taxes and increasing
tax rates affect your retirement income stream

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.

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


Additional Helpful Content From Our Resource Library
Should You Ever Retire?

A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.

Inflation and Your Portfolio

Even low inflation rates can pose a threat to investment returns.

Safeguard Your Digital Estate

If you died, what would happen to your email archives, social profiles and online accounts?


“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.


163 Madison Ave, Suite 220
Morristown, NJ 07960

Office (973) 285-1040
Cell (862) 219-8510

Complete the form or Call Us

Life Changes...
So do your life insurance and financial planning needs

 Request an
Annual Review Today

  At RFS, we are proud to serve our clients as independent insurance and financial services professionals. Our independence means that we don't answer to insurance companies and financial institutions but to each and every one of our valuable clients.

We will help you design and put in place financial strategies to meet a variety of goals and concerns. As an independent firm, we have access to products and services from dozens of top rated financial and insurance companies, allowing us to develop specific strategies to help meet each clients objectives. Our goal is to simplify your financial life by clearly explaining how a particular strategy fits into your overall financial plan. Then, by offering independent, practical advice and recommendations, we will review the potential options available to meet your goals.......
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Executive Business Benefits
Managed Investments 
  163 Madison Ave, Suite 220 | Morristown, NJ 07960
Phone: 973.285.1040