-R&AP Financial-
We Provide Retirement Income Planning & Asset Protection Services

Mehran Rad
Speaker
Educator
Advisor
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Find Financial Peace of Mind

In a world where financial worries often stay hidden, Mehran Rad is here to change that. Our goal is to help people achieve true peace of mind by addressing financial fears directly. Instead of letting the anxiety of the unknown fester, we encourage our clients to ask the right questions. Mehran Rad will collaborate with you to craft a customized plan that reduces stress. Together, we'll help turn financial uncertainties into a well-defined route to a secure and peaceful financial future.

What are the threats that can destroy, derail, and disrupt your quality of life and lifestyle in retirement?

  • Taxes: Unexpected tax liabilities or changes in tax laws can significantly reduce retirement savings and income, impacting financial stability.
  • Economic Volatility: Market fluctuations and economic downturns can affect investment returns, potentially diminishing retirement funds and causing financial insecurity.
  • Aging Health Challenges: As people age, healthcare needs and costs typically increase, including expenses for chronic conditions, long-term care, and other medical services.
  • Family Conflicts: Disputes or the need to support family members financially can create stress and strain retirement resources, disrupting plans and quality of life.
  • Inflation: The rising cost of goods and services over time can erode the purchasing power of fixed retirement incomes, making it harder to maintain the same lifestyle.
  • Longevity: Outliving retirement savings is a significant risk as people live longer, requiring careful planning to help ensure funds last throughout one's lifetime.
  • Personal Challenges: Personal issues such as loss of purpose, mental health struggles, or a lack of social connections can negatively affect overall well-being in retirement.
  • Bad Decisions: Poor financial decisions, such as inadequate planning, risky investments, or overspending, can jeopardize financial security and retirement goals.
My job is to protect you
from these threats

About R&AP Financial

Welcome to R&AP Financial (Retirement & Asset Protection), where our goal is to empower you to Grow Wealth, Protect Wealth, Enjoy Wealth, Share Wealth, and Pass On Wealth. With over 22 years in the financial planning arena, Mehran brings a deep well of expertise in wealth accumulation, protection, and strategic planning. “My passion is straightforward: to increase your wealth while safeguarding it to meet your critical objectives—fulfilling and optimizing your deepest personal goals, desires, and dreams.”

Here at R&AP Financial, we recognize the challenges that can threaten your quality of life and retirement: Taxes, Inflation, Economic Volatility, Longevity, Aging Health Challenges, Personal and Family Conflicts, and the consequences of Poor Decisions. Our commitment is unwavering—to shield you from these risks through comprehensive Wealth Protection and Planning strategies grounded in Wisdom, Experience, and Success.

Our range of services includes Retirement Planning, Estate Planning, Income Planning, Longevity Planning, Tax Planning, Final Planning, and Volatility Protection Planning. We believe that Wealth Planning extends beyond mere financial security; it's about leveraging your wealth to lead a meaningful and purposeful life that aligns with your values, principles, mission, and personal milestones. Your financial journey is our privilege and primary focus at R&AP Financial.

Start with Mehran Today

Podcasts

We believe in guiding our clients to a happier lifestyle on the journey to and through retirement. We are excited to share a few podcasts with you, in hopes that it will give you a better understanding of how we can help you get to the "summit of retirement."

Podcasts available on these platforms!
Additional locations of podcasts

Our Team

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Mehran Rad

Owner/Advisor

Professional

Mehran Rad is an Investment Advisor Representative with a passion in helping retirees, and those approaching retirement, to avoid the common financial mistakes of retirement through comprehensive financial planning.

As a Fiduciary, Mehran works diligently with his clients to help them take control of their financial future through education and use of financial strategies designed to help them with the critical areas of retirement planning, including:

  • Retirement Income & Social Security Planning.
  • Tax Minimization Strategies.
  • Investment & Risk Management Strategies.
  • Estate & Legacy Planning.

Mehran started in real estate development and investment back in 1988 and has been in the financial service industry for the last 22 years.  He is a graduate of Guilford College with a BS degree in Business and a minor in Economics.  Mehran has passed the NASD Series 65 (Investment Advisor Representative) and has met all requirements for Life insurance and Long-Term Care licenses in several States.

Personal

Mehran grew up in Chapel Hill, NC and is a big Tarheels fan. Soccer has been a big part of his life as he played in college, and several years after.  All three of his boys have played professionally for teams such as Sporting Kansas City, Hartford Athletic, Huntsville FC and Portland Timbers.

Outside of the financial world, Mehran enjoys walking, golf, hiking the Arizona trails, watching soccer, but above all, he loves spending quality time with his family.

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Mehran Rad

Owner/Advisor

"It is all about you, your values, principals, mission, and your Life quest of personal achievements."

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Leslie Husarenko

New Business Specialist

Leslie Husarenko has extensive experience working in the financial industry for the past 25 years assisting top producers with client services. She has tremendous experience with Life products and is a registered insurance agent. She is known for her friendliness and knowledge assisting new clients with our onboarding process, she makes it her mission to address and solve customer's questions efficiently.

Leslie is a proud mom of three and has six loving grandchildren, on weekends you will find Leslie cruising around on her boat enjoying the island life.

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Leslie Husarenko

New Business Specialist
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Paul Himmelstein

IRA Conversion Specialist

Paul Himmelstein, CLU, ChFC, began his career in 1978 with Prudential Insurance Company.  In 1980, he began his own financial planning firm, Himmelstein & Associates, specializing in estate, business, and retirement planning.

From 1994 until 2003, Paul was the Regional Manager for ING and Washington Square Securities (now known as ING Financial Partners) in the state of Connecticut.

Paul holds his Chartered Life Underwriter and Chartered Financial Consultant designations which he earned from the American College of Financial Services.

Paul also has his series 7, series 24, series 63, Life, Health, and Variable Insurance products licensing.

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Paul Himmelstein

IRA Conversion Specialist
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Jennifer Surmacz

President and Chief Counsel - Posterity Legal Services, LLC

During her years of general practice and litigation, Jennifer found herself drawn to Estate Planning because it gave her the opportunity to help families avoid Probate Court and build generational wealth.  Jennifer founded Posterity Legal Services, LLC in 2020 to focus solely on Estate Planning services.  She is passionate about helping clients understand the legal intricacies of Estate Planning and how to avoid Probate Court - translating complex legal concepts into easy-to-understand options for each client based on their unique circumstances.  

Jennifer was born into a military family and lived in several states before settling in Oklahoma. She graduated from Mustang High School as Valedictorian and a National Merit Scholar. Jennifer earned a Bachelor of Arts in Political Science and a Minor of Arts in Sociology from the University of Oklahoma. She earned her Juris Doctor at Oklahoma City University School of Law.  She currently resides in Saint Louis, Missouri.

Jennifer is licensed to practice law in Missouri, Oklahoma, Nevada, and the Federal District of Maryland. She has experience in Estate Planning, Probate, Contracts, Family law, Federal Civil litigation, and ERISA Federal Class Action litigation. Jennifer also served as a Special Public Defender for Juveniles in Canadian County, Oklahoma and St. Louis and St. Charles counties in Missouri.

Jennifer served terms as 10th Circuit Lieutenant Governor of the American Bar Association LSD, and Vice President of Women’s Law Student Association. She is a member of the American Bar Association, the Phi Alpha Delta legal fraternity, the Oklahoma Association of Justice, the National Association of Professional Women, Lawyers Fighting Hunger, and Gene Slay’s Girls and Boy’s Club. Jennifer is also a black belt and national champion in Tae Kwon Do.

Posterity Legal Services, LLC
34 North Brentwood Boulevard, Suite 200
Saint Louis, Missouri 63105
(833) 399-8585
www.posteritylegal.com

Legal Disclaimer: This website may be considered legal advertising in some jurisdictions. The choice of a lawyer is an important decision and should not be based solely upon advertisements.

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Jennifer Surmacz

President and Chief Counsel - Posterity Legal Services, LLC
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George Bain

Mortgage and Creative Financing Expert

George Bain is a 30 year veteran of the mortgage industry. During his career Mr. Bain has both owned and managed mortgage companies and is familiar with all aspects of mortgage origination. Since 2017 Mr. Bain’s main focus has been in the specialty of reverse mortgage planning. Mr. Bain is a respected guest speaker and has guided many clients through the process of obtaining a reverse mortgage. Mr. Bain often consults with attorneys and financial planners to assist them in planning comprehensive financial and tax saving strategies.

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George Bain

Mortgage and Creative Financing Expert
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Lisa Martinez

Case Design Advisor

Lisa has been in the industry for over 18 years. As a Business Development Advisors she helps advisors keep up with the changing market of annuity, life and asset-based LTC products and bring a wealth of product and case design concepts. She compares the many features and parts of each available product options, rates and riders in order to determine which vehicle is the best fit for the advisors clients.

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Lisa Martinez

Case Design Advisor
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Nate Arroyo

Business Development Advisor

Nate is a specialist and expert when it comes to the area of annuity and life insurance products as they relate to safe money strategies. In the past he has worked with many of the nation's leading advisors, which gives him a level of experience and knowledge when it comes to advanced case design, training, product positioning, and service second to none when it comes to a client's financial goals. Nate truly believes that when working with an advisor and their clients, having the proper perspective of the clients' financial goals, and retirement outlook, enables him to help recommend a plan that solves many retirement solutions.

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Nate Arroyo

Business Development Advisor
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