RJF, Inc. and Richard J. Falck have been named a “Blue Partner” by Blue Cross and Blue Shield of Minnesota as one of the top agencies and top agents in recognition of their high standards of performance and client satisfaction.
RJF, Inc. and Richard J. Falck have been named a “Blue Partner” by Blue Cross and Blue Shield of Minnesota as one of the top agencies and top agents in recognition of their high standards of performance and client satisfaction.
Richard began his career in the financial services and insurance industry in 1991, following in the footsteps of his father and grandfather. For nearly 30 years, Richard has helped clients understand and simplify health insurance and guide them through the many options when it comes to health care.
Richard graduated with a B.A.in Economics with a concentration in Management from St. Olaf College in 1987 and a degree in Management of Business Administration (MBA) with a concentration in Finance from the University of Minnesota’s Carlson School of Business in 1990. In addition to attaining the CFP certification from the Certified Financial Planner Board of Standards, Inc., his educational background includes earning the designation of Chartered Financial Consultant, ChFC, and Chartered Life Underwriter, CLU, from the American College in Bryn Mawr, PA.
Community involvement has been a priority for Richard. Past volunteer activities have included board positions on the Northfield Historical Society, Northfield Lacrosse Association, Northfield Area Foundation, President of St. John’s Lutheran Church and coaching of youth soccer. Currently, Richard is a member of the board of directors for Merchants Bank and Three Links Care Center.
Together, with his wife, Gretchen, who is a certified kettle bell functional movement specialist and owner of Forza!, LLC, they have a son living and working in Pittsburgh, PA., and a daughter attending the University of MN College of Veterinary Medicine.
Information regarding the qualifications and requirements to earn and maintain financial professional designations can be found here:
Frances joined RJF, Inc as Richard’s Strategic Assistant in February 2025.
She spent the last 10 years in local government as Clerk for Bridgewater Township and the City of Nerstrand.
Frances is a graduate of Minnesota State University, Mankato, where she earned a Bachelor of Science in International Business and Marketing. She also earned a certificate in Digital Marketing from the University of Minnesota.
In the past, she has been active in Boy Scouts (where both of her sons earned the rank of Eagle), the homeschool community, and other groups. Along with her husband, she is currently active in her church and exploring other community activities.
