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


Who We Are:

80/20 Financial Services is an Independent Registered Investment Advisor (RIA) registered in the state of Missouri (CRD# 300772). We help electric cooperative employees in Missouri and throughout the United States transition into retirement. Being independent allows us to work exclusively for YOU.

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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.

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 and I've 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 important decisions of your financial life! And 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 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. 

Thank you for taking the time to find out more information about myself and my business. If you any questions, please feel free to reach out. I'm not a salesman and if I can't help you I will let you know that immediately.

-Brian