FINANCIAL PLANNING RETIREMENT INCOME PLANNING BUSINESS RETIREMENT PLANNING LIFE & HEALTH INSURANCE

"If You Fail to Plan, Plan To Fail"

- Benjamin Franklin

Honest, Independent, Objective Financial Guidance


Don't Worry About The Future, Plan For It


We Help You

PRESERVE WEALTH
INVEST WISELY
BE TAX SMART

RETIRE SAFELY
MAINTAIN INCOME & LIFESTYLE
& TAKE NO MORE RISK THAN NECESSARY 



We focus on retirement, safety of principal, investment, tax minimization, insurance & income solutions
 
for families, business owners &  retirees



Strategies Designed for your Financial Success 


We Will:

Review existing life insurance policies to maximize policy value for Individuals & Businesses
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Reposition assets to help minimize taxation on investments, estate and retirement income
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Create low risk, guaranteed and predictable retirement income streams
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Design tax free supplemental retirement income strategies
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Provide businesses with qualified & non-qualified executive compensation, retention and retirement income solutions
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Provide managed Investment solutions that target reasonable returns and minimize downside risk
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Create transition strategies from the asset accumulation to distribution phase
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Coordinate retirement income, long term care, social security & medicare supplement planning
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Provide appropriate 401K / IRA rollover options & portfolio review

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Our focus is on safe money strategies & alternatives
We build solutions to help our clients achieve their goals regardless of market volatility 

It May Be Time for a Financial Checkup 

It’s never a bad time to speak with your financial advisor about changes in your situation.

Have there been changes in your life?

Are you taking more investment risk than necessary?

Is your portfolio optimized for safety, risk/reward, tax efficiency and to meet your financial goals?

Contact us today for a no obligation financial or Insurance review


We provide objective advice, attention to detail and a commitment to our clients
so they can plan wisely, make sound decisions and focus on family and business
 



LIFE INSURANCE 

Not sure about your coverage? Need a Policy Review? We'll help you determine the correct type and amount of coverage to protect your family or business. We run quote comparisons from dozens of carriers to find the best rates. 

RETIREMENT 

Will you have enough income for a long retirement? What are the risks to retirement success? We create customized retirement plans based on your goals and best interests.  

BUSINESS PLANNING 

We focus on securing your business and future with executive compensation, retirement income, buy-sell, key man coverage, pension/401k planning, group benefits and help to attract, retain & reward the best employee's


LONG TERM CARE 

Traditional and Asset Based long term care protection strategies tailored to your goals..We'll incorporate your LTC needs into your overall retirement strategy

MEDICARE 

Turning 65 soon? Medicare won't cover all of your medical costs in retirement. We'll help you choose a plan to fill the gaps in coverage. We'll make it simple to understand your medicare supplement & advantage plan options

DISABILITY 

Concerned about making sure your family is secure regardless of life's twists and turns? We'll provide strategies to protect your income source in the event of income loss due to a disability






OUR CLIENTS

Planning designed to provide safe, flexible strategies for a diverse client base

INDIVIDUALS &
FAMILIES

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BUSINESS OWNERS & PROFESSIONALS

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RETIREES & NEARING RETIREMENT

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Al Ragovin, CFP®

You're serious about the financial
stability 
of your family & business...
We're serious about helping you obtain it
Ask me Anything

Welcome to RFS Financial & Insurance Solutions

RFS Financial designs strategies for individuals and businesses to help grow assets, preserve wealth, retire safely and maintain Income and lifestyle.

We create comprehensive solutions through a number of financial services. As an independent Certified Financial Planner ™ I offer objective, practical options and recommendations to help people reach the goals that are important to them.

Whether you're planning for your family's future, mitigating or eliminating market risk with diversified financial strategies, securing your business, generating income, preparing for a comfortable retirement or wealth preservation, we will provide sound financial options to help you reach your goals and navigate through the risks in life to help you feel confident about the next steps

163 Madison Avenue Suite 220 Morristown, NJ 07960
Call or email us to discuss your financial concerns or to get an insurance quote. We look forward to working with you...973-285-1040

CONTACT

Al.Ragovin@RFSfinancialsolutions.com

Morristown Office

163 Madison Avenue Suite 220
Morristown, NJ 07960

Phone: 973-285-1040
Mobile: 862-219-8510

Mon-Fri: 8:00 AM - 8:00 PM
Sat: 9:00 AM - 4:00 PM
Sun: By Appointment

How can we help? Request a quote or policy review... or a no obligation consultation...973-285-1040  

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