Our Services

A Financial Adviser, when asked “what are the three most important factors when investing?” The likely answer will be “Relationship, Relationship, Relationship”.  Clients find value-add in their relationship with their Financial Adviser.

Family Financial Retirement Systems, LLC offers Insurance and Advisory services. As a Series 65 Investment Adviser Representative of Royal Fund Management, LLC, a Registered Investment Advisory firm, dba Family Financial Retirement Systems, I am legally bound to a Fiduciary relationship "to act in the best interest of the client".  A Series 65 is the only Non-FINRA, Non-Commission SEC license, governed by Fiduciary Rules.
Clients must understand the biases and conflicts of interest that exist with Financial Services providers that ask for their business. In short, the differences may be how the Adviser is licensed, i.e.; Insurance and/or Advisory Services and commission and/or fee based. Bringing the two competing worlds of Insurance (safe money) and Investments (risk money) together is value-add in a Fiduciary relationship.

Family Financial Retirement Systems - Advisory Services are fee based. TD Ameritrade Institutional is the custodian for Client assets (risk money), and are actively managed by Royal Fund Management - a Registered Investment Advisory firm. Our Philosophy is optimized Portfolio's based upon sound market fundamentals and no-load funds. 

Our Mission is to develop Fiduciary compliant, financial recommendations that address client retirement objectives.  Our Vision, to develop an Investment Policy (blueprint) for Client's future.  Our Process, engages the following steps;

  • Develop an Investment Statement with the Client.  What is your objective?
  • Gather existing relevant Client data
  • Establish Risk Tolerance for Client
  • Develop a Client Safe/Risk Money, within Risk Tolerance/Asset Management Strategy
  • Implement an Assets Under Management Strategy as outlined in Client Investment Statement

Family Financial Retirement Systems - Insurance Services are commission based. I am an Independent Insurance Representative with American Retirement Systems, LLC, an Independent Marketing Organization, dba Family Financial Retirement Systems. Safe money with lifetime income and risk money solutions are brought together. It's all about the relationship, “to act in the best interest of the client”.

We do things differently. Relationship is what we sell!  (Contact Us)