How We Do It Why RFS? From experience, RFS has learned that creating a professional circle of influence in a particular market helps everyone. Our clients are the people we want to be associated with over time. Having deep expertise in our markets enables us to offer the most cost-effective planning.We go the extra mile when it comes to providing more than we promise. We know business owners and medical professionals can be very busy, focused on urgent demands, and pressured by daily decision-making. So, at RFS, we make your life a little bit easier by breaking down what you need to do ahead of time.RFS offers a full array of LIFE, DISABILITY and LONG-TERM CARE insurance as well as employee benefits services for the time-constrained business owner. We also provide a strong emphasis on Estate Planning as well as Executive Benefits. PartnershipOur clients turn to us for help with their insurance, investment management and financial planning needs based on our experience and collaborative approach. Our partner, 1847 Private Client Group, can assist you with financial planning and investment management.Joint Venture Partner1847 Private Client Group - Our strategic partner provides us with certified financial planners trained in debt management, investment planning, and other related services.Strategic AlliancesPenn Pension Center- for over 30 years has enabled RFS to offer cutting edge designs, installations and ongoing administration of all types of qualified plans. Alliance Brokerage- a 3rd generation property casualty firm rounds out our strategic partnerships by providing personal and commercial line property and casualty risk coverage. Professional IntroductionsOur practice has grown dramatically throughout the years from professional introductions from satisfied clients and advisors we are affiliated with. We offer the ability to provide a second opinion on planning in areas we have expertise in, that in many cases uncovers problems people and companies were unaware of.UnderwritingRFS is well known in the benefits and insurance marketplace for going the extra mile when it comes to helping you go thru the maze of the underwriting process. Each insurance company or “carrier” uses its own assessment tools to determine your risk profile and our role is to help you thru this process.Our Strategic PartnersAdditionally our clients turn to us for many other areas of support because of our experience and collaborative approach. With our long-time strategic partners, 1847 Private Client Group (financial planning and investments), Penn Pension Center (pension design and administration) and Alliance Brokerage (full array of property casualty needs), we can help ensure that you are covered for all suitable risks.