Retirement Fund Management

What Retirement Fund Management does

Retirement Fund Management (RFM) is a fee-only Registered Investment Advisor with the SEC, founded in 1996 and headquartered in Atlanta, Georgia. The firm delivers retirement plan advisory services to organizations throughout the Southeast United States on a fee-only basis, with no commissions, product sales, or conflicts of interest. Its core offerings are organized into four integrated service modules: Financial Wellness (employee assessment and engagement), Retirement Plan Health (annual plan design and investment review), Investment Selection (proprietary research and custom asset class construction), and Fiduciary Best Practices (3(21) or 3(38) fiduciary services including investment policy statement development, recordkeeper searches, plan benchmarking, fee analysis, and ERISA fiduciary training). Plans serviced include 401(k), Defined Benefit Pensions, 403(b), and other Qualified and Non-Qualified Retirement plans for employer and employee participants.

The firm's underlying platform centers on a proprietary investment research and selection process developed over 22 years of operation, including custom asset class construction, an innovative target date fund risk assessment tool introduced in 2006, and an integrated ESG screening process. The firm claims its methodology often surfaces investment ideas several years ahead of broader industry adoption. The 2015 'RFM 2.0' initiative added new financial wellness and investment research capabilities. The technology stack is human-research-driven with no disclosed software products, APIs, or AI/ML components.

RFM operates on a customized, quote-based fee-only engagement model with annual billing cadence. Go-to-market is consultative and relationship-driven, led by founder Mark McCoy (MBA, AIFA) through direct outreach, the firm website, and LinkedIn. The team consists of four core members, and the firm serves a modest portfolio of employer plan sponsor clients across a broad range of industries and sizes in the Southeast. RFM is privately held with no institutional investors, parent company, or disclosed subsidiaries.

Name

Retirement Fund Management

Legal name

Retirement Fund Management, LLC

Website

https://rfm401k.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Retirement Fund Management is a fee-only SEC-registered investment advisor in Atlanta providing retirement plan advisory services, including 401(k), 403(b), and pension plan support, to Southeast US employers through proprietary investment research and 3(21)/3(38) fiduciary offerings.

Ownership category

akta.pro rank

Product category

Retirement Plan Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Discretionary Portfolio Management (DPM) (FSAAABAC), SDG / Thematic Sustainable Investment Funds (FSANAJAN)

Keywords

• Retirement plan advisory
• Fiduciary services
• 401(k) advisory
• Investment selection
• Financial wellness programs

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Fee-Only Advisory Services: RFM operates exclusively on a fee-only basis with no commissions, product sales, or conflicts of interest. The firm does not offer other investment or insurance products, ensuring objective and unbiased advice. This compensation model aligns advisor interests with client interests.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Retirement Fund Management (RFM) is an SEC-registered investment advisor that provides fee-only retirement plan advisory services to organizations in the Southeast US. The firm delivers four integrated service modules — Financial Wellness, Retirement Plan Health, Investment Selection, and Fiduciary Best Practices — covering 401(k), Defined Benefit Pensions, 403(b), and other Qualified and Non-Qualified Retirement plans on a consultative, fee-only basis with no commissions or product sales.

Product overview

Retirement Fund Management (RFM) offers retirement plan advisory services as a unified platform consisting of four integrated modules: Financial Wellness (employee assessment and interaction), Plan Health (annual assessments and plan design optimization), Investment Selection (proprietary investment research and asset class construction), and Fiduciary Best Practices (ERISA fiduciary services as 3(21) or 3(38) fiduciary). The company services 401(k), Defined Benefit Pensions, 403(b), and other Qualified and Non-Qualified Retirement plans on a fee-only basis to organizations throughout the Southeast.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Wellness Employee financial wellness program combining assessment, goal setting, and interactive engagement to help employees understand financial stress and participate in their retirement benefit. Targeted at employees of organizations served by RFM.
• Retirement Plan Health Annual plan health assessments including plan design evaluation, employee engagement measurement, and investment selection review to establish plan health goals for employer-sponsored retirement plans.
• Investment Selection Proprietary investment research process focused on custom asset class construction, using active and passive management, ESG screening, and target date fund risk assessment to provide best-in-class investment options for plan participants.
• Fiduciary Best Practices ERISA fiduciary services delivered as a 3(21) or 3(38) fiduciary, including development and monitoring of the investment policy statement, recordkeeper searches, plan benchmarking, fee analysis, and ERISA fiduciary training for employer plan sponsors.

Quantifiable outcome

• 35-45 percent of an employee's nest egg is derived from making smart investment decisions (based on RFM research)

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Empower Retirement: One of the largest retirement plan recordkeepers and advisors in the US (formerly Empower/ING/Wells Fargo). Serves corporate 401(k) and defined contribution plans with bundled advisory, recordkeeping, and participant services that overlap with RFM's plan-level advisory scope.
• Mercer (retirement and investment business): Global consulting firm with a large US retirement practice providing plan design, investment advisory, and actuarial services to corporate plans. Represents a broader incumbent competitor with deeper institutional resources than RFM.
• Fidelity Workplace Investing: Fidelity's retirement plan business offers recordkeeping, investment menu design, and advisory services for corporate 401(k) plans. While primarily a recordkeeper, it competes with advisory firms like RFM on plan-level investment selection and benchmarking mandates.
• NFP Retirement: Part of NFP (an Aon company), NFP Retirement provides large-scale retirement plan advisory and corporate consulting across all plan types. Represents a much larger incumbent with overlapping capabilities to RFM's advisory offerings.
• Vanguard Institutional Retirement: Vanguard's retirement plan services offer low-cost recordkeeping and investment-only advisory options to plan sponsors. Its scale and low-fee positioning pressure fee-only RIAs like RFM on price, though Vanguard is less dominant in the high-touch advisory niche.

Direct peers

• SageView Advisory Group: National retirement plan advisory firm offering 3(21) and 3(38) fiduciary services, investment selection, and plan benchmarking for corporate plans. Directly competes with RFM in the employer retirement plan advisory segment.
• CAPTRUST: One of the largest independent retirement plan advisory firms in the US, serving as a 3(38) fiduciary for corporate 401(k), 403(b), and defined benefit plans. Comparable to RFM in service offering and fiduciary positioning, though at vastly greater scale and national footprint.
• Strategic Retirement Partners: Retirement plan consulting firm focused exclusively on employer-sponsored plans with 3(21)/3(38) fiduciary services and investment advisory. Closely aligned with RFM's service model and target market.
• Prime Capital Investment Advisors: Independent RIA with a dedicated retirement plan advisory practice providing 3(21)/3(38) fiduciary services, plan design, and investment selection. Closely parallels RFM's service mix and target segments.
• Sentinel Benefits & Financial Group: Independent retirement plan advisory firm offering 3(38) and 3(21) services for employer-sponsored plans. Comparable boutique-to-mid-market competitor with similar fee-only fiduciary positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/rfm401k

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Retirement Fund Management