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Welcome to 'Next Step Retirement'. Our vision integrates a Tops-Down / Bottoms-Up, one-on-one client marketing culture. Next Step Retirement, builds FIDUCIARY relationships between Employers and Employees with Royal Fund Management, LLC dba Family Financial Retirement Systems, LLC.

Click here for a copy of our Relationship Summary ...

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Are you an Individual or Employee interested in:

1. Retirement Asset and Income Planning Process?

Are you interested in:

Learning your risk tolerance number? (Riskalyze)

Knowing your investment(s) score? (Kwanti)

Client Cash Flow / Goal Based Planning? (RightCapital)

Knowing your asset(s) performance and location? (Blueleaf)

2. ERISA compliant 401(k) Advisory Account Management Program? (Maneuver™)

Are you a Plan Sponsor interested in: (Contact Us)

3. ERISA* Discretionary or Non-Discretionary Fiduciary Services to a plan?

ERISA Section 3(16) Plan-Level Investment Advice
ERISA Section 3(21) Model Portfolio Services
ERISA Section 3(38) Qualified Default Investment Alternative Services

* (ERISA) Employee Retirement Income Security Act of 1974

Videos

We have interesting videos for you to watch on my site.

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Contact Us

Please feel free to contact us with any questions.

Calculators

You can review interesting calculators on my site.

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Newsletters

HOT TOPIC: Social Security and Medicare: The Clock Is Ticking

According to this years Trustees report, Social Security recipients might face a benefit cut in 2034 unless Congress acts soon to strengthen the program.

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Understanding the No Tax on Tips Deduction

In 2025, the One Big Beautiful Bill Act established a temporary federal tax deduction to help reduce the tax liability of certain tipped workers.

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A Roadmap for Your Family

A letter of instruction could be just as important as a will in helping loved ones settle an estate and move forward with their lives.

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Charitable Gifts of Life Insurance

Explains using life insurance to make meaningful charitable donations.

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Calculators

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Credit Card Debt

How Long Will It Take to Pay my Balance?

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

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