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FFRS Family Financial Retirement Systems logo with founder
Four hikers walking on a mountain ridge with scenic views.

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 ...

Are you an Individual or Employee interested in:

1. Retirement Asset and Income Planning Process?

  • Are you interested in: 

Riskalyze logo with orange and grey hexagonal icons

  • Knowing your investment(s) score?  (Kwanti)

Kwanti logo with a green play arrow icon inside the letter i
RightCapital logo with blue and green circular arrows

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

Blueleaf company logo

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

Maneuver logo with a chess knight piece.

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.

Contact Us

Please feel free to contact us with any questions.

Calculators

You can review interesting calculators on my site.

Avoiding Probate with a TOD Deed and TOD Account

Shows how transfer-on-death designations help avoid probate costs.

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Two Tax-Friendly Retirement Plans for the Self-Employed

Describes retirement plan options that help self-employed workers save on taxes.

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The One Big Beautiful Bill Act Extends Tax Breaks for Small Businesses

Here are three important tax provisions from the OBBBA that should provide certainty and stability for small businesses.

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Foreign Stocks Outperformed in 2025

Although U.S. stocks have provided a higher return over the past 20 years, foreign stocks outperformed in seven of those years, including 2025.

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Disability Income Insurance

How much Disability Income Insurance do you need?

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Tax-Deferred Savings

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

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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck