We can increase your time, money and peace of mind.
Does it seem likely to you that we might save you at least 1% per year in time, energy, worry and record keeping?
Does it seem likely to you that working with us might cause your long-term investment return to be at least 1% more per year than you might obtain on your own?
Does it seem likely to you that we will save you at least 1% per year in the costs of mistakes you might make on your own?
Here's the good news! We charge less than 1% on any money we manage for you. Contact us for specifics.
We know your profession and your benefit plan options.
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 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 had the same benefit plan as you, that is a Fiduciary and 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.
What makes us different is we care. Caring is the basis for our relationship with our clients. You won't find an advisor more committed to your family's financial success. That's why we purposely limit the number of clients we work with. You are a human being to us and not just a number.
We are a Fiduciary Advisor.
As a firm, we take very seriously our Fiduciary Duty to always act in the client’s best interest (vs. just trying to sell you a product). In addition to a legal obligation, our firm has been built on a foundation of placing the client’s interest before any thoughts of our own compensation. We recommend the same investment strategies used in our personal accounts. We are committed to honest and ethical behavior.
We can work with you regardless of location.
We are located in Ozark, MO but we have the ability to work with clients throughout the country.
We use a reputable custodian to hold your assets.
We use Shareholders Service Group (SSG) a subsidiary of Pershing Financial for our custodian and clearing house. They work exclusively with independent advisors. I researched many different custodians before I settled on SSG. Their customer service is top notch and that is exactly why I chose them. My money is with them also.
We won't bother you constantly trying to sell you things. We typically meet twice annually. Client education is a big focus for our firm. We publish a regular blog on retirement and investing for our clients. In addition, clients have access to an advisor for any questions or concerns at any time. We won't try to sell you anything. You have our word on that.
We will help you solve any and all financial problems you may encounter. We have assisted clients in solving an assortment of financial issues such as early retirement options, 401k plans, IRS audits, family deaths, disability, tax issues, real estate, debt, Social Security, Medicare, health insurance, college, gifting and almost any other financial issue imaginable. While we certainly don’t have all the answers, through our network of resources, we can find the answer.
Contact us to set up a consultation. The consultation is free and without obligation.