Who We Are

Every year, millions of Americans search aimlessly for simple, objective investment advice for their 401(k)s wondering what the best mix of mutual funds is for them. Others also wonder how much they should be investing and what retirement income they can expect from these savings when they retire. Some even put off looking at their 401(k) or contributing to it, because they don’t have the answers or feel it will be way too time-consuming. As Certified Financial Planner™ professionals, we knew there had to be an easier, more affordable way to take care of common investment and financial planning matters.

Our vision was for a seamless, online service that helped people create their own financial roadmap. We brought together some of the most sophisticated investment and financial planning technologies, delivered to you in an easy-to-use online format, to make this vision a reality. The result is RJ20, the nation’s leading online 401(k) advice and holistic financial planning service.

From the onset, our mission was to set new standards for convenience, simplicity, and straight forward advice. We felt it should be easy for everyone to get specific 401(k) fund recommendations, adhering to their goals, and experiencing a virtual goals-based (not product based) financial planning experience. We also realize the importance of you having access to a live CFP® professional, so you are never left alone. For us, the goal is not simply to provide a smart, cost-effective alternative—it’s to make sure everyone gets the specific financial advice they need, while never having to worry about being sold something.

From our inception, RJ20 has rapidly expanded to become the premier online personal 401(k) and holistic financial planning destination. But as the company continues to grow, we’re careful to hold true to our original vision. We continue to stay true to our core principles of putting specific 401(k) advice and true virtual financial planning within reach of millions of people at a fair price.

Sean Ruehl & Chip Jurgensen
Co-Founders