“The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.” — William Arthur Ward

Investing successfully is not about doing better than the market; it’s about skillfully managing the market in ways that benefit you. Rafalko Advisors’ investment philosophy is based on a long-term strategy that focuses on relative and fundamental strength and applies mid-course tactical shifts to take advantage of positive momentum.

We are big-picture planners who keep an eye on the details. We are independent financial advisors who have a fiduciary duty to act in our clients’ best interests. Our relationships with our clients, both companies and individuals, are about conversations, not transactions. We’re with you for the long journey, adjusting your sails to speed you to your goals.

Our Mission

Trust and transparency guide everything we do at Rafalko Advisors. As an independent registered investment advisor, we are under no obligation to outside investment providers. Instead, we are focused solely on helping our clients reach their financial and retirement plan goals. We offer innovative investment products and portfolios for individuals who want to plan for retirement and companies seeking objective, fiduciary management of their 401(k) plans.

Celia Rafalko, Managing Principle

Celia Rafalko, CFP®

Managing Principal
(800) 767-8772 ext. 103

Celia Rafalko is the founder and principal of Rafalko Advisors, Inc., an independent registered investment advisory firm with offices in Richmond and Northern Virginia.  She has more than 25 years of experience in brokerage and financial services firms and it’s her experience there that led to her decision to work as an independent advisor, free of any product bias or sales pressure.

Trust and transparency guide everything Celia does.  As an independent registered investment advisor, she is under no obligation to outside investment providers.  Instead, Celia is focused solely on helping her clients reach their financial and retirement plan goals.

Celia is a Certified Financial Planner® and a graduate of the Securities Industry Institute at Wharton Business School.  She has also had extensive executive education over her career and is a graduate of Miami University in Oxford, Ohio.

Celia is on the board of the Richmond Venture Forum, The Goochland Free Clinic and Family Services and serves on advisory boards for the Virginia Museum of Fine Arts and the Virginia Horse Center.  She is an emeritus board member of the 1708 Art Gallery and a former board member of the Central Virginia Employee Benefits Council.  In addition, Celia serves on committees for the Richmond SPCA, the Visual Arts Center, the American Hanoverian Society and the Deep Run Hunt Club.

As an avid equestrienne, Celia has earned a national award from the US Dressage Federation and has bred award-winning horses.  She is an avid reader, a serious cook and an arts enthusiast.


Kevin A. O’Neil, ChFC, AIF®

Senior Vice President
(800) 767-8772 ext. 101

Kevin serves as a Senior Vice President at Rafalko Advisors and entered the financial services industry in 1980. He has provided financial consulting to businesses and high net worth individuals with a concentration in investments, employee benefits and risk management. He is a graduate of Duquesne University; earned his Chartered Financial Consultant designation in 1993 and Accredited Investment Fiduciary designation in 2008.


Sue Davis

VP Client Services and Operations
(800) 767-8772 ext. 102

A member of the Rafalko Advisors, Inc. team since 2012, Sue Davis serves as the Vice President of Client Services and Operations.  Prior to joining Rafalko Advisors, Sue was the Chief Operating Officer of the Main Street Group where she was responsible for all operations, client service and financial advisor supervision affiliated with the firm.  Prior to The Main Street Group, Sue was a First Vice President at Wachovia Securities for 18 years.  She managed a number of different operational areas including operational communications, credit/margin, option settlement, no-load mutual funds and development and maintenance of the operational intranet website.  Sue has over 25 years of  experience in the financial services industry and is a graduate of Virginia Commonwealth University with a Bachelor or Science degree in Business Administration and Management.