At RJB Finance, we’re here to help you make sense of money and feel confident
Your Life. Your Income. Your Legacy.
Our job is to guide you, protect what matters most, and support you as your goals evolve.
At RJB Finance, we help you protect what matters and build a future you feel confident about. We compare trusted carriers and solutions from life insurance to annuities so you’re getting recommendations that actually fit your life, not a sales target.
What's your biggest financial goal?
Buy a home
save for college
save for retirement
protect my income
protect my family
Grow and protect my business
grow my investments
Plan for the future
Financial planning starts with you
Your life, your goals, and the people you care about. This isn’t just retirement talk; it’s real-life planning for the moments that shape your story, both big and small.
Our Clients Needs Comes First
We give you a clear, easy-to-understand picture of your finances and the education to go with it—so you feel prepared, informed, and confident navigating the challenges today’s pre-retirees face.
✓ 25+ Years of Combined Experience
✓ Easy and 100% Secure Transactions
✓ Nationally Recognized Highly Rated Providers
✓ Free 60 Minute Consultation
✓ Indepth Financial Analysis
Financial Solutions We Offer
We’re supported by a team of trusted experts who bring real experience and a shared passion for guiding you through financial decisions.
Retirement Planning
We help you build retirement savings in the right types of accounts—so more of your money actually stays yours.
- Understand the difference between tax-deferred and tax-advantaged accounts, and which makes sense for you
- Learn what a true tax-advantaged strategy looks like
- See how IRAs and 401(k)s can impact the taxation of your Social Security
- Explore smart strategies to reduce—or even eliminate—taxes in retirement
Long-Term Care Planning
We help you understand how a long-term care event could impact your retirement—and how to prepare for it with confidence.
- How long-term care costs can affect your retirement income
- Understanding Medicaid spend-down rules
- Exploring alternatives for paying for long-term care
- How critical, chronic, or terminal illness can change your financial plan
Income Replacement
Your ability to earn an income is one of your greatest assets—and it’s worth protecting. Many people are surprised to learn that a temporary disability can happen at any point during a career and last longer than expected.
- What would happen if your income suddenly stopped?
- How would that affect plans like college, home updates, or retirement?
- Why protecting your earning power is just as important as protecting your savings
Market Loss Protection
Market swings can have a much bigger impact once you’re in—or close to—retirement. We help you understand how to protect your income and savings when the market is unpredictable.
- How major market losses can affect your retirement
- When “buy and hold” may—or may not—make sense
- Ways to manage different types of investment risk
- Why asset allocation alone isn’t always enough
- How to build true diversification into your retirement plan
Retirement Distribution
We help you understand how to take income from your retirement accounts in a way that maximizes cash flow and minimizes taxes—so your money lasts.
- Choosing the right accounts for tax-efficient retirement income
- Strategies to reduce taxes while increasing cash flow
Planning withdrawals so you don’t outlive your money
College Funding
We help you explore flexible ways to pay for your child’s education—without relying solely on student loans.
- What types of accounts can help fund college while keeping options open
- What happens if your child chooses a different path than college
- Alternatives to traditional 529 plans that offer more flexibility
Executive Bonus Plan
A flexible way for businesses to attract, reward, and retain top talent.
- Helps employers recruit and keep key employees
- May be tax-deductible to the business under IRC §162
- No IRS pre-approval, disclosure, or annual reporting required
- No ongoing administrative costs for the business
- Allows employers to choose which employees receive the benefit
Deferred Compensation
A flexible, nonqualified option that allows businesses to reward and retain key employees—without the limitations of traditional retirement plans.
- Gives employers the ability to select which top-level employees participate
- Allows different benefit levels for different employees
- No government-mandated vesting requirements
- Can be customized to fit individual goals and situations
- Minimal paperwork and administrative costs compared to qualified plans
401(k) Retirement Plans
We help employers offer effective, easy-to-manage 401(k) plans that support both their teams and their business.
- Simple, streamlined plan administration
- Fiduciary guidance and protection
- Compliance with Department of Labor and IRS regulations
- Cost-effective plan options
- Access to trusted, well-known providers
- Ongoing support from experienced professionals
Our Core Values
Empowerment
We believe knowledge builds confidence. We help you understand your options so you can make informed decisions.
Protection
Safeguarding your income, family, and future always comes first.
Client-Centered
Your goals guide every recommendation. We listen first—always.
Transparency
No pressure, no confusion. Just clear, honest guidance you can trust.
Legacy Building
We help you plan beyond today, so what you build continues to support the people you love.
LIFE, HEALTH AND BUSINESS
WHY RJB FINANCE
To us, it’s simple. Everyone deserves access to financial planning..
There was a time when financial planning felt out of reach. It was expensive, hard to access, and often reserved for people who already had significant wealth. If you didn’t have a large account balance, you were usually left out—making it seem like planning was only for the wealthy.
At RJB Finance, we believe it should be different. We’re creating a new kind of experience—one that’s more open, more personal, and built to support the life you’re living now—and the future you’re working toward.
Vision
We’re here to guide you, protect what matters most, and help you build a future—and legacy—you feel confident about. With clarity, honesty, and support, we make your financial journey simple and centered around you.