Retirement Financial Group, LLC

Retirement Financial Group, LLC provides investment advisory and consulting services to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. The firm’s stated services include preparation of written or verbal financial plans and analyses covering retirement, tax, insurance, education savings, estate matters, and portfolio analysis, alongside discretionary portfolio management.

RFG implements client strategies primarily through third‑party model portfolios and sub‑advisers who perform research, trading, and back‑office functions, while the firm retains responsibility for supervision, portfolio reallocations, rebalancing, and client servicing. The firm offers discretionary management, periodic account reviews (at least annually), and access to strategies such as direct indexing and various mutual fund and ETF allocations tailored to client objectives and risk tolerances.

Distinctive features noted in the brochure include the firm’s affiliations with licensed insurance agencies and dually licensed representatives who may sell commission‑based insurance products, as well as disclosed economic arrangements such as forgivable loans from field marketing organizations, which the firm identifies as potential conflicts of interest. The firm also emphasizes use of complex investment vehicles (e.g., structured notes, private funds, options) and the purchase of institutional or advisory mutual fund share classes, and it relies on custodial relationships rather than sponsoring wrap fee programs.