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About Us

Who We Are

Founded in 1984 by Bruce J. Beard, BPS has been dedicated to upholding the highest standards of service and integrity since its inception. After Bruce’s retirement in 2013, the firm was purchased by Jim Rafoth, Brad Walker, and Bob Smallwood, who continue the legacy of honesty, trust, and professionalism that Bruce established.

BPS is committed to serving our clients with unwavering integrity, trust, and professional expertise. We place the highest value on personal service, building relationships rooted in honesty and transparency. Our mission is to help individuals and small businesses plan for their future and achieve their long-term goals.

Today, BPS administers over 300 qualified retirement plans for small to mid-sized businesses in the region and provides comprehensive financial planning and investment management services through a team of seven fully licensed financial advisors. With a blend of experience, personal service, and a deep commitment to doing what is right, BPS proudly carries forward the tradition of integrity that has defined the firm for more than four decades.

Core ValuesThe Values that matter most to you are the values that matter most to us

At BPS, our foundation is built on honesty, integrity, and transparency. These guiding values influence every client relationship, every recommendation, and every decision we make.

Our Five Core Values


Treat Others with Respect and Fairness

We uphold the timeless principle of treating people the way we would want to be treated—whether clients, colleagues, employees, or partners.


Be Honest and Transparent in All We Do

Clear, candid communication ensures our clients always know the truth, fostering trust and confidence.


Make the Complex Simple

We translate financial and retirement plan details into straightforward solutions that are easy to understand and act upon.  We see ourselves as educators, helping you feel confident in making complex financial decisions


Create Relationships That Endure

We are committed to cultivating relationships and partnerships that provide long-term value, benefiting both our clients and our firm.


Stewardship and Accountability

We manage client wealth as carefully as if it were your own and we also protect client data, privacy, and security at all times.

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