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We believe the most valuable services we offer are increasing your time, money and peace of mind.

What We Do:

We help electric cooperative retirees and retirees in general avoid the two most common problems in retirement:

1. Spending too much and running out of money  

2. Spending too little and not taking advantage of the goals you had for your money

If you're interested in "beating the market" or finding the next "hot stock" we can't help you. That's not what we do. No reason to read any further.

If you're interested in creating a goal-focused, long-term plan to ensure the money you have saved lasts the duration of a 20-30 year retirement and beyond we can help you. That's exactly what we do. Keep reading.

We turn your pension, 401k, and any other retirement benefits into an income and investment plan that ensures your money will last the duration of a 20-30 year retirement and beyond.

Our planning process ensures the money you need in the early years of retirement is safe and not subject to temporary market fluctuations, while at the same time putting the money you'll need in the later years of retirement in a position to receive the permanent market returns necessary to provide an income that increases and outpaces inflation.

At 80/20 Financial Services we invest your money and our own money in the best companies in the United States and the world. We don't base our investment philosophy on the latest fads or nor do we change our philosophy based on the latest fears.

We also 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 or earlier?

  • 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?

How can we help you?

Schedule your retirement consultation today. The consultation is free and without obligation.