RJ20. Inc are online CFP's that create customized reports for plan participants based on their goals and objectives. The retirement / investment report details to the participant what funds to buy or sell in their specific company 401k, and we also give them their own financial planning website where they can do the following: Create a budget Cash management Debt management Insurance planning Education planning Other goal planning etc.. We do not sell products, charge commissions, require assets under management or have minimums. We are an ERISA Fiduciary, and acknowledge it in writing to our clients. We only provide advice for a small flat fee.