When I have worked with .rtf file export from Access, the formatting is NOT the same as the formatting I had in Access. The way I have gotten around this is to create the document in Word using Access VBA. This would require expert level coding and a lot of time to do.
Another option would be to use Acrobat to create the file outside of Access, or use a SnapShot file. These can be e-mailed and viewed by others, but can not be updated by others.