Broker Check
Larry Roby, RICP, MRFC, MCEPInvestment Advisor RepresentativeNational Social Security Advisor

Larry Roby, RICP, MRFC, MCEP

Investment Advisor Representative

National Social Security Advisor

President & CEO

Larry Roby is the founder and President of Senior Financial Advisors. One of Larry's core principles is his belief in the value of education. This belief has been the foundation of his business as well as a guiding force behind his teams focus on everything retirement.  Retirement planning, otherwise known as distribution planning, is complex and can be very emotional. Decisions need to be made in the areas of Taxes, Social Security, Medicare, Investments and Wealth Transfer.  Our process, our checklist and our planning tools combined with a safety first mentality is how we help clients everyday and deliver maximum client satisfaction. 

As senior issues are constantly shifting, Larry believes it is important to keep himself educated on the changing market. He is a nine-year member of the Million Dollar Round Table* and has achieved "Top of the Table" status for the past five years. 

  • Master Registered Financial Consultant (
  • RICP (Retirement Income Certified Professional)
  • NSSA (National Social Security Advisor)
  • MCEP (Master Certified Estate Planner) (

In the field of retirement planning, Larry took what started as a simple interest in helping his own family and, through advanced education and self-study, has turned that into a business that can help all people. Nothing is more important to Larry than the relationships he has made with clients and partners of SFA, and he strives to always make clients glad they decided to work with him.

Larry founded Senior Financial Advisors with the philosophy that the needs of our clients are ALWAYS placed first. The primary focus of Senior Financial Advisors is helping seniors receive more income, more growth potential, pay less tax, and leave more money to their spouses, children, and grandchildren.

Larry and his wife, Cindee, attend New Vision Baptist Church in Murfreesboro. He and his team at SFA volunteer time and resources at Branches Recovery Center (a local counseling ministry). When not working, Larry enjoys time with his family (including twelve, nearly perfect, grandchildren) and spoiling his Bichon puppy, Wilson.



*The Million Dollar Round Table is a trade association to help insurance brokers and financial advisors establish best business practices and develop ethical and effective ways to increase client interest in financial products, specifically risk based products like life insurance, disability and long term care. Annual qualification requirements include demonstrating a set annual production requirement and agreeing to a code of ethics, but is not based on client experience or performance. For more information regarding the Million Dollar Round Table eligibility, please see  Membership in no way constitutes an endorsement from Million Dollar Round table or any client.  To qualify for court of the table a member must demonstrate annual commission of three times the base requirement.