RFS Capital & Insurance Services
Built for the Builders . You
Your Growth, Protected. Your Legacy, Planned
Empowering business owners and professionals with innovative capital , insurance and risk strategies.
Insurance & Risk Management
Key person, buy-sell, executive bonus, group benefits
Wealth and Exit Planning
Tax efficient retirement, business continuity, legacy strategies
Capital Access Solutions
Equipment financing, working capital, SBA alternatives
Why Choose RFS Capital & Insurance Services !
A Partner Who Understands Entrepreneurs
Decades of experience in insurance + business planning
Personalized strategy for each business lifecycle stage
Access to premium financing to leverage and triple your retirement ; multi-carrier solutions
Strong relationships with risk underwriters, CPAs, tax attorneys, and lenders
Bilingual & culturally attuned to diverse owner groups!
Years Experience with SMB's and counting !
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Signature Solutions
OUR SERVICES
Tailored Programs That Drive Growth & Protection
Premium Financing:
Don’t Simply Retire. Have Something to Retire To.
Premium financing can help you protect your wealth, fund your legacy, and create a retirement strategy that works as hard as you do.
Key Person Insurance & Executive Bonus Plans
Protect Your Business. Retain Your Best People.
Group Benefits, Voluntary Employee Benefits Solution
Stronger benefits mean stronger employees—and a stronger
business.
Business Owner 401(k), Defined Benefit and Cash Balance Plans
Build Wealth, Cut Taxes, Secure Retirement.
Tax-Free Retirement, Legacy Planning & Business Succession
Tax-Free Income. Lasting Wealth. Seamless Succession
Capital for Expansion & Equipment. Traditional and Non-Prime Commercial Lending
Fuel Growth. Fund Expansion
Industries We Serve
Tailored strategies designed to fit your unique business challenges.
Medical & Dental Practices
Consultants & Solo Practitoners
Construction, Trucking & Trade Businesses
Real Estate Investors & Developers
Family-Owned Enterprises
Professional Services & Enterpreneurs
Free Guide: Tax Savvy Strategies for Small Business Owners
Learn how successful business owners protect profits and
create tax-efficient wealth. Unlock smart ways to reduce taxes, keep more of what you earn, and reinvest in your business
Case Studies / Success Stories
Real Results. Real Impact.
See how RFS Capital & Insurance Services delivers practical solutions that help small business owners reduce taxes, access capital, and protect their future.
Secured $500,000 in Capital in 30 Days for Expansion
A fast-growing medical lab company needed to open a second location but
faced a critical funding gap. Despite strong sales, traditional banks declined
their loan application due to limited time in business. The owner risked losing a significant contract opportunity for a major university if capital
faced a critical funding gap. Despite strong sales, traditional banks declined
their loan application due to limited time in business. The owner risked losing a significant contract opportunity for a major university if capital
wasn’t secured quickly.
Restructured insurance to save $80k in taxes annually.'
A high-income business owner (earning $750k annually) had an outdated
insurance policy that provided minimal benefits (no living benefits for long
term care, critical illness and terminal illness) and created unnecessary tax
exposure. The client wanted to reduce taxes, protect wealth, and integrate
coverage into a long-term retirement plan.
Designed an exit strategy that funded retirement + legacy
A 62-year-old business owner was preparing to step back from her company
after 30+ years. While she had built significant business equity, most of her
wealth was tied up in the company. She wanted to:
1. Retire with a reliable income stream.
2. Transfer ownership smoothly.
3. Leave a meaningful legacy for her children and grandchildren.
Traditional retirement accounts and savings weren’t enough to fund her
goals without heavy taxation.
The Process/How It Works :
Our Proven Strategy
A simple, four-step approach designed to help business owners and professionals access capital, implement tax-savvy strategies, and build long- term success.
Step 1️⃣: Discovery Call
We start with a conversation.
During your complimentary consultation, we learn about your goals, challenges, and financial picture so we can tailor solutions that fit your business or personal needs.
Step 2️⃣: Strategy Blueprint
Customized plan, built for you.
We design a clear, actionable roadmap—whether it’s securing funding, optimizing tax savings, or planning for expansion and legacy.
Step 3️⃣: Implementation
From plan to action.
Our team works with you to put strategies in motion, from financing approvals to insurance solutions and investment alignment.
Step 4️⃣: Ongoing Guidance
Your partner in growth.
We stay engaged with regular check-ins and ongoing support, making adjustments as your business and personal goals evolve.
Blog/Insights Hub
Starting a business is exciting, but many entrepreneurs make one costly mistake...
Entrepreneurs juggle multiple responsibilities, but ignoring risk management can lead to...
Every business owner will one day exit—by choice or circumstance. A proactive succession plan ensures your years of work...
SHIRLEY SIME, LUTCF
Managing Partner
Donnamarie V Howe
Benefits Advisor
CJ Gueldner
Benefits Administration
RFS CAPITAL & INSURANCE SERVICES
This Is What Our Clients Say :
You helped us expand our brand to a level we never thought possible. Thank you, RFS Capital & Insurance Services, for believing in us and pushing us forward. We really couldn’t have done it without you.”
“I’m so happy I chose to work with RFS Capital & Insurance Services. From the initial consultation, all the way through the project’s conclusion, the service I received was impeccable and the end result really brought my vision to life.”
“When I needed advice, RFS Capital & Insurance Services was there to guide me through every step of the decision-making process. With their help, we managed to get back on track in no time.”
Ready to Secure Your Business Future?
Our team helps business owners and professionals access capital, reduce taxes, and protect wealth with proven strategies. Let’s create a plan that gives you confidence in your next step.
Newsletter
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