We specialize in premium financed life insurance for high net worth individuals and in helping nonprofits build endowments using an innovative new tool called the Charitable Endowment Plan™
RAF Strategies was founded by Robert A. Fink, J.D., a former tax and estate planning attorney, to help his clients deal with the challenges of protecting and growing assets after the 2008 global financial crisis.
For over 25 years, Rob has worked with high-net-worth individuals and business owners to devise strategies that deal with market volatility and record low rates of return, while also minimizing the impact of taxes on his clients’ assets and estates. He uses his combination of legal, tax, and insurance expertise, often through the use of premium financing, to craft creative solutions through which his clients can meet their financial goals.
Rob received his Juris Doctorate degree in 1994 from the University of Detroit Mercy School of Law. Shortly thereafter, he moved to San Diego to establish a practice dedicated to advanced estate and insurance planning. Having specialized in the area of premium financed life insurance for over 25 years, Rob is recognized as one of the nation’s preeminent experts in his field.
In 2016, inspired by a desire to use his skill set to give back to his community and by the needs that he observed within several organizations with which he was involved, Rob came up with an idea on how to help nonprofits build a sizable endowment on a guaranteed basis. Called the Charitable Endowment Plan™, this strategy magnifies the impact of funds contributed by donors to help ensure the nonprofit’s work and the donor’s legacy live on for generations to come.
Although no longer a practicing attorney, Rob is a member of the bar in both Michigan and California and maintains a life insurance license. He is married and is a proud father to two young boys.