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We believe a goal of retiring - without a plan - is simply a plan to run out of money.

Who We Help:

We help Electric Cooperative Employees in the pre-retirement and retirement phase who want to optimize their retirement benefits and create their retirement income and investment plans. Retirement can last 20-30 years. You need a plan!


Pre-Retirement- You are still working and within 1-10 years of your desired retirement age which is typically age 50 or over. We can help you determine if you are saving enough to retire. If you aren't we can help you to create a plan to get back on track. We can help you optimize your 401k strategy and even manage your 401k for you. 


Retirement- You are about to retire or have just retired from your cooperative. You will soon be faced with the biggest decision of your financial life. Choosing between the monthly pension annuity or the lump sum option.


We can help you make that decision by sitting down with you and reviewing your unique financial situation. We can show you the pros and cons of both choices. Remember once you choose and sign the papers you can't undo the decision. You don't have to make this decision alone. We can help.


Additionally, maybe you are worried about running out of money. Maybe you want to invest it but aren't sure how. Maybe you want to leave a legacy to your kids or your favorite charity. Maybe you want to continue to grow your wealth. We can help.


Who We Are:

80/20 Financial Services is an Independent Registered Investment Advisory Firm. 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.


Brian Coleman Photo Brian Coleman Hover Photo
About

Brian Coleman

Retirement Income & Investment Planner

I am the owner of 80/20 Financial Services. I know retirement decisions can be overwhelming. If you are looking for a retirement planner you can trust and that has the ability to translate complex financial strategies in plain English then we should talk. I hope to offer a different experience from other financial professionals. We teach and show you what is possible. We won't try to sell you anything. You have my word on that.

For all current and former Electric Cooperative Employees, 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.

A few things to note about me. I carry no personal debt other than my mortgage. My credit score is 792. It would be higher but I have no installment payments because I carry no debt. I have a  very positive net worth. I keep 6 months of savings in an emergency fund at all times. I invest in the same products I recommend to my clients. The reason I tell you these things is they are things you should know about any advisor before you entrust your retirement planning and investing with them.