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5523 North Farmer Branch Road, Suite C, Ozark, MO 65721

417-294-5277
bcoleman@8020financialservices.com
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Your Retirement Deserves a Plan

Your NRECA 401k is not a plan.
Your NRECA R&S Pension is not a plan.
Your Social Security is not a plan.
Those are only pieces to the retirement planning puzzle.

What we do
Retirement Planning for Electric Cooperative Employees

We help cooperative employees retire confidently with a plan, not just a portfolio.

WELCOME
A Different Approach to Your Retirement

We believe great retirement planning starts with listening. Before recommending a single strategy, we take time to understand your goals. The we create a plan to achieve those goals and we build a portfolio to carryout the plan. Our process is always goals, plan, and portfolio, not the other way around.

Our Solutions
Comprehensive Solutions, Tailored to You

Every retirement situation is different. That's why we offer a broad range of services designed to address where you are today and where you want to be.


1. Your Retirement Timeline: When and How to Retire from the Co-op

Deciding when to retire isn’t just about hitting a certain age. It involves understanding how your pension, 401(k), Social Security, and healthcare benefits align with your desired retirement lifestyle. We help you:

  • Assess your income sources and gaps
  • Evaluate early retirement options and penalties
  • Create a timeline that reflects your goals and obligations
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2. Making the Most of Your Retirement Savings: Income Planning That Lasts

You’ve saved well. Now it’s about turning that nest egg into a reliable income stream that lasts 20-30 years or more. We help co-op employees:

  • Understand withdrawal strategies that reduce tax impact
  • Plan for required minimum distributions (RMDs)
  • Design income plans that balance growth and stability
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3. What to Do with Your NRECA R&S Pension, 401(k), and Other Retirement Accounts

The retirement benefits from your electric co-op job are valuable, but complex. We'll walk you through:

  • Pension lump sum vs. annuity decisions
  • Consolidation strategies for your R&S Pension, 401(k) and any other investment and retirement accounts
  • Coordinating NRECA plans with your broader retirement strategy
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4. Charitable Giving

If giving back is part of your vision, We will help you explore tax-smart approaches to charitable contributions that align with your values.

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5. Choosing the Right Advisor: What "Comprehensive Retirement Planning" Really Means

Many advisors focus only on investments. We believe that’s just one piece of the puzzle. A trusted advisor should help with:

  • Income planning
  • Tax strategies
  • Estate and legacy planning
  • Coordinating benefits and lifestyle goals
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6. Social Security

When and how you claim Social Security matters. We will help you evaluate your options so you can make an informed decision.

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Extended Care Strategies

Healthcare costs can change quickly. We help you explore strategies for potential long-term care needs so they don't derail your other goals.box-empty

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Small Business Guidance

Owning a business adds layers to your financial picture. We help business owners align personal and professional financial strategies.box-empty

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Social Security Strategies

When and how you claim Social Security matters. We will help you evaluate your options so you can make an informed decision.box-empty

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Cash Flow Analysis

Understanding where your money goes is the foundation of every good plan. We will help you take a clear-eyed look at income, expenses, and opportunities.box-empty

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Education Strategies

Funding education is a priority for many families. We will help you explore savings vehicles and strategies that fit within your broader financial plan.box-empty

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Charitable Giving

If giving back is part of your vision, We will help you explore tax-smart approaches to charitable contributions that align with your values.box-empty

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Special Needs Trust

Families navigating special needs planning require thoughtful, personalized attention. We can help coordinate strategies designed to support your loved one's future.box-empty

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Debt Management

Not all debt is equal. We will help you build a strategy to manage liabilities while keeping your bigger financial picture in focus.box-empty

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Financial Education

We believe informed clients make better decisions. We provide ongoing resources and conversations to help you stay confident in your financial direction.box-empty

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How To Get Started

About Our Firm
Built on Discipline. Driven by Your Goals.

We founded this practice with a clear philosophy: to help electric cooperative employees retire with a plan and not just a portfolio. Over the years, We have worked with many cooperative employees to develop structured plans that evolve with their needs. We worked at an electric cooperative for 11 years. We know and respect what you do and we know your benefits and retirement plan options very well. We can help you with your retirement planning with an insight and perspective that most advisors just don't have.

The Process
A Proven Framework for Pursuing Your Goals

Great planning doesn't happen by accident. Our three-step process is designed to bring clarity, structure, and confidence to every financial decision you make.

1. Goals
Understand Your Full Picture

We'll start by reviewing your finances, goals, risk tolerance, and time horizon to build a complete understanding of where you stand.

2. Plan
Build a Plan That Fits

Using what we've uncovered, We'll design a customized strategy aligned with your objectives and the realities of today's markets.

3. Portfolio
Stay on Track as Life Evolves

We'll put your plan into motion and provide ongoing oversight — adjusting as your life, goals, and market conditions change.

Let's Plan Your Retirement

Our Resources
Insights to Keep You Informed

Staying informed is part of staying on course. Explore our latest resources for timely insights, practical strategies, and the kind of financial education that makes a difference.

A Brief Guide To Condo Insurance

A Brief Guide To Condo Insurance

Important items to consider when purchasing condo insurance.
Learn More
How Financial Professionals Are Compensated

How Financial Professionals Are Compensated

Read this overview to learn how financial advisors are compensated.
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Who Is Your Trusted Contact?

Who Is Your Trusted Contact?

This investment account question is vital and answered as early as possible.
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Get Started
Ready to Take the Next Step?

If you're looking for a structured, research-driven approach to your financial life, we welcome the opportunity to talk. Let's start with a conversation about your goals.

Let's Plan Your Retirement