The journey continues with the employer "watering the seed" planted by the employee’s contribution. We help employers optimize the plan by delivering the latest innovations in plan design.

Now, it's RFM's job to "fertilize" what the employee and employer have already done to improve each employee's financial security. Our research supports that 35-45 percent of an employee's nest egg is derived from making smart investment decisions.

The entire journey is intended to culminate in "financial security" as illustrated by a healthy and strong oak tree. We approach the goal of financial security by helping employees manage their financial lives throughout the entire process.