My name is Brian Coleman. I worked for White River Valley Electric Cooperative in Branson for 11 years. I left White River in January 2019 to open 80/20 Financial Services, a retirement income and investment planning firm. My expertise is in retirement planning and I've helped many cooperative employees, just like you, create a retirement plan to ensure their money lasts longer than their retirement does.
Why Did You Start a Retirement Planning Firm?
I started this firm specifically to help Electric Cooperative Employees with retirement planning. I worked for a Cooperative for 11 years. I know your profession and benefit plans better than any other financial advisor will. You have excellent retirement benefits available to you. I can help you optimize those benefits while creating a retirement income and investing plan that aligns with your retirement goals.
I've seen too many cooperative retirees take the monthly annuity option because they thought it was "safe" even though it wasn't the best choice for them. I've also seen too many cooperative retirees take the lump sum option to big name brokerage firms and insurance companies that don't have their best interest in mind.
Deciding between the monthly pension or the lump sum option is one of the most critical decisions of your financial life! And most importantly, it's a decision that can't be corrected later. Once you sign the papers, that's it. Sometimes the monthly pension is the right choice and sometimes it can be the single most devastating decision you can make for your retirement. Get advice on that decision from an advisor you can trust!
I can help you make the right decision for your situation. As an Independent Registered Investment Advisor, I work for you. You can be assured you are getting financial advice from an advisor you can trust, that knows your profession, that once had the same benefit plan as you, that is a Fiduciary who is required by law to put your interest ahead of my own.
I want to make clear that 80/20 Financial Services is not in competition with NRECA. My goal is to help cooperative retirees optimize the great benefits NRECA and your cooperative provide you. I’m a huge fan of NRECA, their benefit plan and cooperatives in general.
Should We Work Together?
80/20 Financial Services can help you answer questions like:
- Should you take your cooperative's monthly pension or lump sum offer?
- Do you have enough money between your R&S and/or 401K to retire?
- Could you possibly retire at age 55?
- Is your cooperative 401K invested correctly for your retirement goals?
- Should you be investing in a Traditional 401K or a Roth 401k?
- Are you contributing too much or too little to your 401K?
- Should you quasi-retire from your cooperative?
- Should you accept an early retirement offer from your cooperative?
- When should you claim Social Security Benefits?
- How can you lower your tax bill in retirement?
- How do you invest your retirement money so that you increase your income in retirement?
- How do you create an income stream in retirement that is similar to when you were working?
80/20 Financial Services is an Independent Registered Investment Advisory Firm (RIA). Independent means we work for you and no one else. We are located in Ozark, MO but we have the ability to work with clients throughout the United States. We are fiduciary advisors that will always keep your best interest in mind.
I would love the opportunity to discuss retirement options with you. Click here to schedule a complimentary meeting via my website. I'll offer you an educated opinion.... and a cup of coffee if you would like to meet in person. I can also meet via a web chat or feel free to call, email, or text at 417-294-5277.
You Need A Plan
At 80/20 Financial Services, we are retirement planners. We believe a goal of retiring - without a plan - is simply a plan to never retire. Retirement isn't some magical age. It's a dollar amount and a strategy to maintain and increase that dollar amount over time. If you're age 50 or over and still in the accumulation phase (pre-retirement) we can help you figure out where you need to go and how to get there. If you are retired or nearing retirement, we can create a plan which will outpace inflation and increase your income over time. The consultation is free and without obligation. Contact us to set up a consultation.
Thanks for reading!
80/20 Financial Services is an Independent Registered Investment Advisory Firm. We help Electric Cooperative Employees create their retirement income and investment plans. Contact us today for help with your retirement needs.