# Retirement Fund Management

Retirement Fund Management is a Bank / Wealth / Trust based in Atlanta, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Atlanta, United States
- **Region:** North America
- **Address:** Atlanta, GA, United States
- **Founded:** 1995
- **Assets under management:** Undisclosed
- **Website:** rfm401k.com
- **LinkedIn:** https://www.linkedin.com/company/rfm401k

## Regulatory record

- **CRD number:** 126573
- **SEC file number:** 801-69594
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/126573

## About

Retirement Fund Management (RFM) was established in Atlanta in 1995 and operates as a Registered Investment Advisor with the SEC. The firm was founded to provide retirement plan advisory services to organizations, serving both employers and their employees on a fee-only basis. It works with companies across a broad range of industries and sizes throughout the Southeast. The firm's strategy centers on retirement plan management rather than asset management. RFM's core services cover financial wellness education, retirement plan health analysis, investment selection, and fiduciary best practices. The plans it services include 401(k), Defined Benefit Pensions, 403(b), and both Qualified and Non-Qualified Retirement plans. The firm acts as a fiduciary, selecting and monitoring plan investments, and states a commitment to an objective, unbiased approach. RFM's footprint is concentrated in the Southeastern United States, with a physical presence in Atlanta. The firm uses a process that begins with understanding client goals and designing a retirement benefit plan. The founder and president is the named lead for new inquiries. The structural differentiator is the firm's posture as a pure retirement-plan fiduciary. It does not cross-sell insurance, investment products, or wealth management services, aiming to avoid conflicts of interest embedded in bundled provider models. This unbundled, fee-only architecture for retirement plans is its operating thesis.

## Questions

### Is Retirement Fund Management a fiduciary?

Yes. As a Registered Investment Advisor with the SEC, RFM is bound by fiduciary duty in its advisory relationship with clients. The firm explicitly highlights its commitment to being objective and unbiased in its service model.

### Does Retirement Fund Management manage assets or simply advise on plans?

RFM provides advisory services on retirement plans. Its core listed services include investment selection and monitoring, but the firm's model is built around plan-level advice rather than acting as a discretionary asset manager for the underlying plan participants. The firm does not market its own investment products.

### What types of retirement plans does RFM service?

The firm services a broad range of tax-qualified and non-qualified plans. Named plan types include 401(k)s, Defined Benefit Pensions, and 403(b) arrangements. They also work with other Qualified and Non-Qualified Retirement plans.

### What is RFM's geographic focus?

The firm exclusively serves organizations throughout the Southeastern United States. Its headquarters are in Atlanta, Georgia, and all marketing materials are specifically targeted at plan sponsors based in that region.

## Related profiles

- [Retirement Corporation of America](https://altss.com/profile/retirement-corporation-of-america)
- [Retirement Guys Formula](https://altss.com/profile/retirement-guys-formula)

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Last updated: 2026-08-11T02:43:31.692Z

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