About Us


Founded in 1990 and based in Winter Springs, Florida, Retirement Planning Associates (RPA) is a statewide retirement planning firm with offices throughout Florida. For decades, RPA has specialized in retirement planning with a focus on issues unique to educators and public school employees.

RPA partners Joe Avallone, Michael Borgailo and David Payne bring more than 75 years of combined retirement planning experience to their practice. In 2007, RPA affiliated with PlanMember Securities to enhance their ability to provide comprehensive retirement education, superior customer service, and the best retirement products available. To further bolster their services, RPA joined the U.S. Retirement Partners family of independent firms in 2009.

With these resources, RPA services the BENCOR Special Pay and FICA Alternative Plans for Florida state employers and employees. We are specialists in the Florida Retirement System (FRS), the Deferred Retirement Option Program (DROP), and all retirement plans available to Florida state employees.

Because no two clients are alike, RPA Advisors deliver customized solutions and personalized service. Our clients enjoy a long-term relationship with us because of our commitment to helping Florida residents maximize their retirement savings.

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

Plan Today – Enjoy Tomorrow

Who We Serve

We proudly serve Florida state employees and retirees, providing skillful guidance to help them choose the retirement planning solutions right for them. RPA also works closely with educational and governmental employers to deliver the support they need for their employer-sponsored retirement plans.