Back to top

Jeremy M. Shafer, CFP®

No Current Employment Listed



Contact Me



Advisor Services

  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

There is no client type data to display at this time.



No timeline events available.
Employer Years Dates
Rfm Financial Solutions, LLC 7 years, 7 months Sep 2012 - Present
Primevest 3 years, 5 months Apr 2009 - Sep 2012
Chemical Bank 5 years, 5 months Apr 2007 - Sep 2012
Eagle Village 1 year, 7 months May 2005 - Dec 2006

Designations & Memberships

  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Jeremy Shafer

There are no insights for this advisor to display at this time.


Ask a financial questionAsk a question
Should I drain my qualified accounts to pay off credit card debt?
From what you shared, you should have $35,000 in discretionary income - perhaps less if you didn't account for taxes. In 3-6 months, you can pay off that debt without touching your retirement accounts - that's what I would advise.You've already identified the problem - inability to curtail spendin...  (more)
Answered Sep 2014
I have a Roth IRA and the wife wants one too. Max out contributions to one Roth IRA or split that money btw 2 IRA's?
Brian,Tunc made the most important consideration - consider age and access to the funds. There are enough places to open an IRA with no annual account fee that your advisor shouldn't recommend a custodian that charges them.All the best,Jeremy M. Shafer, CFP®...  (more)
Answered Oct 2014
Currently I'm deducted 3% from each paycheck. I would like to increase % Please tell me how I can do this.
Congrats on making the decision to save more for retirement! You'll need to make the adjustment with your retirement plan provider. Some providers allow you to make the adjustment online, others require a signed form. Your HR department should be able to point you in the right direction if you'r...  (more)
Answered Aug 2014
Contributing to two 401k plans?
Free money is free money. So how do you decide? Two considerations to chew on:1) Is the second plan comparable to the first? What you gain in free money could be lost to poor investments or higher fees.2) An extra $300/year invested for 20 years with 6% returns has a future value of $11,036, ig...  (more)
Answered Aug 2014
I worked for The Children's Place from 2005-2009, what happened to my 401k?
A company has three ways of dealing with a 401(k) for former employees:1) For the smallest accounts, they can send a check for the vested balance a few months after your separation from service.2) For slightly larger accounts, they can automatically transfer the account into an IRA in your name - ...  (more)
Answered Aug 2014
Questions about 401k withdrawals with the 55 rule.
Leslie,You are wise to consider the tax implications before withdrawing 401(k) assets! Far too many people try to fix it after the fact.I'd like to clarify a few facts: (1) your husband is separating/separated from service with the provider of the 401(k) plan; (2) your husband will be age 55 or o...  (more)
Answered Aug 2014
Is a John Hancock 401k plan in NY w/ estimated annual plan cost proposed at 1.436% a good rate? I'm a plan admin?
I'd recommend getting at least three quotes for your plan. Include at least one quote from an RIA. The estimates you provided seem high, and they don't seem to include the underlying fund expenses. Also, paying for record-keeping based on % of assets is frowned upon, as noted in recent rulings/se...  (more)
Answered Aug 2014
I'm the only employee of my S-Corp and am trying to ascertain whether it's worth having both a Solo 401k & a SEP IRA.
Samuel,There are several questions that all require detailed answers. The short answers are:1) Yes, you can have both a Solo(k) and a SEP plan simultaneously;2) No, you cannot exceed the $52,000 deferral cap with this approach;3) The $17,500 employee deferral limit ($18,000 in 2015) applies to ...  (more)
Answered Nov 2014
Do I take a lump sum pension pay off or keep the pension.
Larry and Arie gave some good insights above. To their comments, add this:Remember that a pension is a promise of future income from a company. Consider the health of the pension in addition to your personal situation. Visit to find your plan's contact. Do your homework to determin...  (more)
Answered Sep 2014
Like to take a loan from my 401K but not allowed. What are my options?
GJ,As you noted, your options are limited. Here are some important considerations and a clarification on Phillip's previous comment.Taxes:Regardless of where you take distributions (401k or IRA), the distribution amount will be included in your income for federal and state tax calculations. If ...  (more)
Answered Aug 2014
I am retiring in 4 years. What is to outlook for the sequioa fund. Should I hold or move to another fund?
Peter,The decision to hold or sell an investment is important, but it isn't the first question you need to answer. First, consider what your retirement income will look like. Will you be collecting a pension or social security? Will a spouse be collecting a pension or social security ? How ...  (more)
Answered Aug 2014
23 years old, 40+ year term investment, which funds or at least which categories and what percent should I invest in?
Joseph,You've got a decent list of options there. While I do see Vanguard, DFA, and the words index in your list, that's really a non-issue. Both active and passive investing are viable strategies depending on what research you read.Generally speaking, you probably have a high risk capacity base...  (more)
Answered Aug 2014
I'm wanting to buy a house if I have already borrowed against my 401k can I borrow again for purchasing a home?
Tim,Each plan document specifies whether multiple loans are allowed. The existing loan hints that you've dipped into the 401(k) before (presumably not for a house), so you are already paying off that loan. A few points to consider before taking another loan:-The money you withdraw won't be inves...  (more)
Answered Oct 2014
I have a 403b plan with TIAA-CREF, should I move it to an IRA when I retire in four years or leave it where it is?
Talk with trusted advisor before moving a retirement plan to an IRA. There are many factors unique to your situation that will inform your decision, including age at retirement, need for access to the assets, available investments, need for investment/planning advice.Here's hoping the next 4 years...  (more)
Answered Sep 2014
New rules for taking after-tax money out of your 401(k)?
C,You asked if the Admins can regulate this withdrawal. The answer has two parts:In-Service Withdrawals:An in-service withdrawal is just what it sounds like - a withdrawal from your retirement account while you are still employed by the company. The Admins do regulate this withdrawal based on t...  (more)
Answered Nov 2014
I have a very good company sponsored 401k. The company was paying the matching funds as company stock.
C,Trading in and out of the stock inside your 401(k) eliminates a powerful planning tool called Net Unrealized Appreciation (NUA). It allows favorable tax treatment of appreciated company stock rolled out of a 401(k). NUA is a complex deal that really won't fit neatly into a discussion board, but...  (more)
Answered Nov 2014
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
      Not registered
    • disclosures
    • as of date
      Apr 24, 2015
    • license status
      Not registered
    • disclosures
    • as of date
      Apr 26, 2015
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



    There are no assets to display at this time.


    There is no compensation data available to display at this time