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Are you a current electric cooperative employee within 5 years of retirement? Are you a former electric cooperative employee that has already retired? Are you trying to find answers to retirement questions that you never got while attending retirement seminars at your co-op? I've been there and done that too. You're in the right place. I can help you!
I worked at an electric cooperative for 11 years. I know and respect what you do and I know your benefits and retirement plan options very well. I can help you with your retirement planning with an insight and perspective that most advisors just don't have.
-Brian Coleman-Owner & Advisor at 80/20 Financial Services
80/20 Financial Services is an Independent Registered Investment Advisor (RIA) registered in the state of Missouri (CRD# 300772). Being independent allows us to work exclusively for YOU.
80/20 Financial Services is the legal name of our Registered Investment Advisory Firm (RIA). Electric Cooperative Retirement Planning is what we do.
There are different types of "financial advisors". We recommend you work with an Registered Investment Advisor (RIA). It doesn't have to be us. Read more about the different types of advisors here.
Our specialty is retirement planning for electric cooperative employees within 5 years of retirement or already retired.
*We will also work with the families of cooperative employees.
Our mission is to make sure you never lose your purchasing power in retirement.
Notice we said purchasing power instead of money. The biggest misconception that we see when talking to clients and prospective clients about retirement planning is this:
They worry about losing their “money” in retirement and when they say money they mean a specific dollar amount.
We're also worried about you losing your “money” in retirement. However, when we say money we mean purchasing power.
Those are two completely different definitions of money.
Money is NOT a principal dollar amount.
Money is currency that gives you purchasing power.
And to maintain your purchasing power in retirement you must invest your money strategically with a plan.
Your money must grow at rate higher than inflation for the next 20-30 years or without realizing it you will be losing your money.
Your favorite box of cereal might cost $4 today. That same box of cereal will cost $8 in 20 years.
Are you certain that your retirement money today will buy your favorite box of cereal 20 years from now?
What's your plan to double your income during a 20-30 year retirement?