Steve Cunha Founder

About Steve Cunha Founder

We are not wealth advisors that dabble in retirement planning. We are experienced retirement planning specialists focusing on the design and management of personal and corporate retirement plans. We are all about creating successful retirements. Recent job changers and those preparing for retirement come to us because: They are looking for organization and a second opinion on their current investment strategy. They desire assistance with plan distribution options and a written retirement income plan. They want to enjoy their retirement without the fear of running out of money. They hope to leave a legacy but not at the expense of their retirement lifestyle.C-Level Suite Execs come to us because:They want to get a second opinion/benchmark of their corporate retirement program. They sometimes feel their current advisor is sleeping at the wheel.They want to reduce personal & corporate liability and outsource administrative responsibilities.They want to lower costs and improve investment results.They want their plan to work better for owners and key employees.HR Pros come to us because: They want to improve 401(k)-403(b) plan participation with a robust employee education program. They need a cost-effective way of offering a Financial Wellness Program to empower their staff. They lack qualified help in offboarding terminated and retired employees from the plan.We value our partnership with Global Retirement Partners (GRP), a leading retirement plan consulting firm that offers a complete suite of services to plan sponsors and individual investors. GRP understands the value of a retirement plan advisor. The leadership team comprises industry veterans with extensive experience in regulatory issues, operational management, innovative technology, and program development. They support 500+ experienced retirement plan advisory practices with over $140 billion in AUM as of January 2025.We are members of the Retirement Plan Advisory Group (RPAG), an alliance of accomplished defined contribution advisors in the U.S. representing retirement plans, five million-plus participants, and 525 experienced member firms with $800 bil in collective AUM, as of January 2025. This alliance with RPAG enables us to offer our plan sponsors and participants a retirement plan solution complete with Investment Analysis, Fee Benchmarking, Plan Design Assistance, Plan Sponsor Fiduciary Education, Participant Education, Financial Wellness, and ERISA Compliance Support. RPAG is a separate, unaffiliated entity.

Experience

1. Founder & Managing Partner

   Retirementcfo, Llc

   Jul 2020 — Present · US

   Steve provides a variety of retirement plan services – from plan reviews, to fee benchmarking, to investment analysis – all designed to accomplish our mission of helping companies meet their fiduciary responsibilities, while enhancing investment opportunities for plan participants.He also has substantial knowledge in designing retirement income and wealth preservation strategies or those retired or approaching retirement.Securities offered through LPL Financial, Member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to \'Contact Info\' section above. Investment advice offered through Retirement CFO. LLC, a registered investment advisor and separate entity from LPL Financial.Third party posts found on this profile do not reflect the vies of LPL Financial and have not been viewed by LPL Financial as to accuracy or completeness. The financial professional associated with Retirement CFO, LLC may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Education

• FI360

  Accredited Investment Fiduciary (AIF)

  2013

• TRAU - The Retirement Advisor University

  Certified 401(k) Advisor (C(k)P)

  2012

• The American College of Financial Services

  Chartered Life Underwriter (CLU)

  2001 — 2018

• College for Financial Planning

  Certified Financial Planner (CFP)

  1997

• University of Massachusetts Amherst

  BA, Economics

  1987 — 1992

• College for Financial Planning

  Chartered Retirement Plans Specialist (CRPS)

  2013