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Volume 19, Issue 5 - September-October 2018

Cover Story

Enrique J. Alvarez, MRFC

Obstacles to Retirement

Enrique Alvarez, CASL, MSFS, CLU, ChFC, CIC, RHU, REBC, CFP®, MRFC, CEO of the Retirement Doctor, LLCTM has been in financial services since 1973. In February, 2008 he founded the Retirement Doctor™, LLC to help individuals and small businesses achieve their financial and investment goals. Rick has a Master’s Degree in Financial Services from The American College at Bryn Mawr, Pennsylvania. Rick currently holds Series 7, Series 24, Series 63, and Series 66 Securities licenses and is a Registered Representative with Cambridge Investment Research, Inc. With a commitment to excellence in his chosen profession, he volunteered to meet the requirements of Pace. He has served on an advisory committee to The American College. Mr. Alvarez designs retirement plans for the general public for pre- and post-retirement planning as well as retirement seminars to help CPAs understand which plans are best suited for their clients. Rick has been an IARFC member and an RFC® since 2007. He passed the MRFC exam and was awarded the MRFC certification June, 2018.. 

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Register Volume 19 Issue 5 Download PDF

MRFC  - The Evolution of Accreditation

What it means to the actual MRFC is that they are now sanctioned by an impartial third party agency. This award of legitimacy elevates the MRFC to a higher level of ethical and practical appeal to the general stakeholder when they choose a financial professional. It is an honor and achievement for consultants to achieve the MRFC credential.

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The Register, published since 1999 by the International Association of Registered Financial Consultants (IARFC), is a practitioner-oriented, financial magazine. The Register includes profiles, articles, interviews, book reviews, practice management techniques, product information and marketing recommendations. Our mission is to update members on current matters, along with a listing of newest members and latest conferences with CE approved curriculum.

It includes articles and advice on technical subjects, economic events, regulatory actions and practice management. The facts and opinions in the IARFC’s Register articles represent their author’s views and are not endorsed by the publisher.

The IARFC makes no claim as to accuracy and does not guarantee or endorse any product or service that may be advertised or featured.

The Register printed version goes to over members and digital edition goes to practitioners, academicians, and decision makers in financial services made of the full membership of the International Association of Registered Financial Consultants, plus selected others who are nonmember MRFC certificants, and candidates for the MRFC, RFC®, and RFA®.
Wendy M. Kennedy

Susan M. Cappa

Editorial Advisory Committee
Peter J. D'Arruda, MRFC
Michelle Blair, RFC®


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Cover Profile Criteria: Profile Participant, must be an IARFC member in good standing, have made contribution to the financial industry, i.e. writing articles, donations to industry events and/or continuing education program activities. Cover Profile Participants are also selected according to the Register annual Editorial Calendar theme and topics. Time:  Selection of the Cover Profile Participants are made (early Fall) for the following calendar year. Selection Committee: Is made up of the Editorial Board of the Register (Editor-in-Chief, Editor and IARFC Operations). Final selections are also reviewed by the IARFC Chairman.

Become a Cover Profile Participant:  Contact the Register Editor-in-Chief, Wendy M. Kennedy at editor@IARFC.org, (513) 261-6047 to be added to the roster of names in Cover Profile Participant database. The Register Editor-in-Chief will contact you if selected within 90 days of the Register publication deadline date you are selected to be profiled. Please, be prepared to provide your professional resume or vita.

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