Our Management Team

RSG's Investment Executives are salaried professionals who have obtained designations or are currently working on the CFP designation, distinguishing them apart from the more "sales" oriented financial representatives that historically sell high commission annuity products to school employees.

Our team's motivation is to effectively communicate the benefits of the Elite Choice 457(b) Plan and not to distinguish one investment option over another, as compensation is the same regardless of which fund a participant elects to invest in. This is a major difference when compared to how agents are compensated throughout the industry. The RSG Executive will receive bonuses based on total assets under management, exemplary job performance, and positive feed back from both administration and participants.

Robert Hornaday, CEO
RSG Securities
Robert F. Hornaday has over 35 years of financial and insurance experience. His professional credentials include the Chartered Financial Consultant (ChFC) designation and the Chartered Life Underwriter (CLU). Robert has served as president of the Board of Directors for the American Society of CLU and ChFC and is included in the Cambridge Registry of Who's Who. He is also a Registered Representative and Registered Principal with the NASD.

Beginning in 1971 Mr. Hornaday began providing financial and retirement planning services to individuals. In 1980, Mr. Hornaday served as a consultant for four years with Compensation Management Programs, Inc. in San Diego, CA. designing and implementing corporate employee benefit and executive compensation plans. In 1984, Mr. Hornaday focused his attention and experience from the private sector to the public education community throughout California, and began specializing in providing financial, retirement and estate planning services to employees of K-12 and Community College Districts.

In 1999 Mr. Hornaday created Envoy Plan Services ("Envoy") and Retirement Solutions Group dba RSG Securities ("RSG"). Envoy was created to assist employers sponsoring 403(b) plans for their employees in satisfying the complex IRS and state compliance guidelines relating to the administration of their plans. RSG provides consulting and broker services to assist districts in establishing turnkey and hassle free 457(b) and 401(a) retirement plans while ensuring all regulatory requirements are satisfied.

In Spring 2004, Envoy and RSG became Keenan companies as wholly-owned subsidiaries. Mr. Hornaday now oversees both of these companies as the President of Envoy and RSG's Chief Executive Officer.

Chad Hornaday, AVP
RSG Securities
Mr. Hornaday graduated from San Diego State University in 1998 with a Bachelors of Science in Business Administration with a Distinction in Finance. He worked as a Financial Analyst with Unisys Corporation in Rancho Bernardo, California until January 2000. Mr. Hornaday began his career in the financial and insurance industry in January 2000 as a financial analyst working with many investors to maintain and improve their portfolios. During this period, Mr. Hornaday expanded his knowledge and expertise with regard to the art of financial planning to assist clients in achieving their financial and retirement goals and aspirations.

Mr. Hornaday currently has responsibilities as the Assistant Vice President of RSG Securities. Additionally, he is a Registered Representative and a Registered Principal with the NASD, a Registered Investment Advisor affiliated with WorthMark Financial Services, LLC a broker dealer and Registered Investment Advisor with the NASD, and is a licensed insurance agent with the State of California.

In addition, Mr. Hornaday has began studies and successfully passed the first exam towards obtaining his Certified Financial Planner (CFP) designation.

Gary J. Caine, President
IFC Retirement Advisors, Inc.
IFC's President, Gary J. Caine, is a graduate of Brown University with a Masters in Finance, and is a Fellow of the Society of Actuaries; with 25 years of investment and retirement plan experience.

Eric M. Verling, Chartered Financial Analyst
IFC Retirement Advisors, Inc.
Eric M. Verling, Chartered Financial Analyst, has over 10 years of investment and retirement plan experience.