Business Details
26 Years
experience
Your Trusted Financial Partner in Memphis, TN
RS Financial Group operates as a fiduciary financial advisory firm dedicated to providing comprehensive wealth management solutions. Our expertise spans retirement planning, advanced affluent planning, business services, and real estate investment strategies. We prioritize client interests through fee-based investment advisory services registered with the SEC, maintaining strict compliance with fiduciary standards. Our team leverages exclusive partnerships with financial institutions to deliver premium financing solutions and tax-advantaged strategies. With specialized knowledge in Medicare supplements, life insurance, and real estate ventures, we serve individuals, families, and businesses across residential, commercial, and industrial sectors.Our Memphis-based practice combines local market insight with national regulatory compliance, offering personalized guidance for asset protection and growth. We maintain transparency in compensation structures, disclosing potential conflicts of interest related to insurance product sales. Our acquisition strategies focus on enhancing investment yields through innovative financing mechanisms while adhering to strict compliance protocols.
Services
Financial Planning
Retirement Planning
Real Estate Strategies
Life Insurance
Business Services
Details
- Year established: 2000
Highlights and features
- We operate as a registered investment advisor under SEC oversight
- Our team has utilized proven financial strategies since 2000
- Exclusive partnerships enable unique premium financing opportunities
- Specialized expertise in real estate acquisition strategies
- Transparent fee-based compensation structure with fiduciary accountability
Associations and certifications
- SEC (U.S. Securities and Exchange Commission)
What people say
Expert guidance
Proven strategies
Fiduciary accountability
Quick capital access
Comprehensive planning
Services
Financial Planning
Our financial planning services create customized roadmaps for wealth accumulation and preservation. We analyze clients' financial situations to develop strategies for retirement, tax optimization, and estate planning. Our SEC-registered advisors provide ongoing guidance to help achieve long-term financial objectives while maintaining fiduciary accountability.
Real Estate Strategies
We develop specialized real estate acquisition strategies that enhance investment yields through innovative financing. Our approach combines premium financing with universal policies to create tax-advantaged investment vehicles. These strategies enable clients to access capital quickly while maintaining asset protection and growth potential in competitive real estate markets.
Premium Financing
Our premium financing solutions utilize exclusive partnerships to create tax-free income opportunities. These strategies provide life insurance coverage with no direct premium payments, benefiting business owners and employees through retention packages and financial security arrangements.
Retirement Planning
We design comprehensive retirement plans that balance risk management with growth potential. Our approach incorporates tax-efficient withdrawal strategies and income stream creation. We help clients navigate complex retirement account regulations while maintaining fiduciary oversight of asset management.
Business Services
Our business services focus on employee retention strategies and executive compensation packages. We implement premium financing solutions for business owners while providing acquisition strategies that enhance yield potential. These services help organizations attract talent and maintain financial stability through structured benefit programs.
People
Melissa Sumner
Principal Broker
As Principal Broker, Melissa Sumner oversees real estate operations with 15+ years of industry experience. She manages licensing compliance and transaction oversight while maintaining Tennessee Broker License #277821.
Chris Sumner
Senior VP of Finance
Chris Sumner holds Series 65 Licenses and specializes in investment advisory services. With expertise in premium financing strategies, he manages client portfolios while maintaining compliance with SEC regulations in multiple states.
Questions
What does it mean to be a fiduciary financial advisor?
As fiduciaries, we must act in your best interest with loyalty and care, avoiding conflicts of interest while managing your assets.
What financial services do you specialize in?
We specialize in retirement planning, premium financing, real estate strategies, and business services with tax-advantaged solutions.
How do your real estate investment strategies work?
Our strategies use premium financing and universal policies to create tax-efficient investments that enhance yield potential for property acquisitions.
Can you help with employee retention programs?
Yes, we implement premium financing solutions that provide tax-free income and life insurance benefits to help retain key employees.
How are your advisory services compensated?
We operate on a fee-based structure for investment management while disclosing potential insurance commission conflicts of interest.
Reviews (3)
Donna Brown
Oct 01, 2021
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Positive:Professionalism
Kelly helped me move my 401k over to an IRA after leaving my last job. She made it quick, easy and I am happy with my IRA choice. I can reach Kelly any time I have questions and she makes the answers easy to understand. Pleasant experience.
Kelly helped me move my 401k over to an IRA after leaving my last job. She made it quick, easy and I am happy with my IRA choice. I can reach Kelly any time I have questions and she makes the answers easy to understand. Pleasant experience.
Kristin MacDonald
Dec 06, 2018
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Ive never had to buy insurance before so I called Miles for some help. He made it so easy and worked hard to find me the absolute best rate. I was shocked at how low it was! I highly recommend Miles for all your insurance needs!
Beth Lee
Jun 15, 2018
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As a mortgage lender, RS Financial takes excellent care of my buyers home owners insurance needs. Professional and friendly service every time! I can always count on Miles Craven to offer amazing customer service and competitive insurance quotes.
