About RPA

Founded in 1990 by Joe Avallone and based in Orlando, Florida, Retirement Planning Associates (RPA) is a statewide retirement planning firm with offices on the east and west coasts. RPA has specialized for more than 18 years in retirement planning and has a focus on issues unique to educators and public school employees.

Mr. Avallone and partners Michael Borgailo and David Payne bring more than 70 years of combined retirement planning experience to their practice. In 2007 RPA affiliated with PlanMember Securities to further enhance their ability to provide comprehensive retirement education, superior customer service and the best retirement products available.

Together, RPA and PlanMember Securities service the BENCOR FICA Alternative Plan, and 401(a), 457(b) and 403(b)A defined contribution plan that may be established by a nonprofit organization or school for retirement. Employees may allocate a portion of their salaries into this plan, and contributions are excluded from their income for tax purposes (with limitations). Contributions and earnings will compound tax deferred. Withdrawals from a 403(b) plan are taxed as ordinary income, and may be subject to an additional 10 percent federal tax penalty if withdrawn prior to age 59 ½. Special Pay Plans for Florida County Schools. Areas of focus include the Florida Retirement System (FRS), D.R.O.P. and all retirement plans available to state employees.

Because no two clients are alike, RPA and PlanMember deliver customized solutions and personalized service, one client at a time. Most clients enjoy a long-term association with RPA because of their commitment to helping Florida residents maximize their retirement planning.

Contact RPA to find out more about how they can help develop a long-term retirement planning solution for you.

“Plan Today – Enjoy Tomorrow.”