"Because Trust Is Everything"
Concepts Retirement is a FIDUCIARY. If you’re not already working with a fiduciary, you should consider it. As such, we must act in the absolute best interest of each client. This is a significant difference between our firm and many others. As an Investment Advisor Representative, I am a fiduciary to my client’s investment with us.
We provide independent, unbiased, fee based asset management as well as insurance and retirement account services. We have access to an extensive universe of investment options and vehicles. We exercise complete objectivity in creating the most sound, disciplined and tax efficient portfolios’, each unique to your situation. If you want to explore owning physical gold in your IRA, we can construct that for you as well.
Financial planning for the rest of us. Straightforward, understandable, measurable. We are a fiduciary whose specialty is transitioning wage earners into retirement by using their 401k's and IRA's to guarantee a monthly lifetime income stream. Completely independent, we offer securities, indexed annuities, and the entire universe of investment options.
Conservation, growth, income, protection. These are the principles on which our philosophy rests, our reputation is built and our clients depend. We understand that successful relationships are built on trust and earned by providing exceptional service over a long period of time. We are committed to good citizenship both to the market we serve, the profession we’ve chosen, and the community in which we live.
Helpful Content
Potential Income from an IRA
Estimate your monthly and annual income from various IRA types.
Capital Gains Tax Estimator
Use this calculator to estimate your capital gains tax.
A Decision Not Made Is Still a Decision
Investors who put off important investment decisions may face potential consequences to their future financial security.
How Boomers and Millennials Differ
The YOLO Economy is a focus on experiences over material possessions, prompting Boomers to consider a similar mindset.
A Home Insurance Claim: To File Or Not To File
Learn when it may not make sense to file a claim on your home insurance.
Is a SEP-IRA Right for Your Business?
For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.
Managing an Inheritance
A windfall from a loved one can be both rewarding and complicated.
The Most Overlooked Item of Any Home Improvement
The item most homeowners forget on their home improvement project checklist is insurance.
Buying a Vacation Home? 5 Questions to Consider First
You may be considering purchasing a vacation property, this can be an exciting milestone, but there are a few things to consider first.
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Federal Income Tax
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
What Is My Risk Tolerance?
This questionnaire will help determine your tolerance for investment risk.
Estimate Your RMD
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
What Is My Current Cash Flow?
Assess whether you are running “in the black” or “in the red” each month.
Inflation & Retirement
Estimate how much income may be needed at retirement to maintain your standard of living.
Long-Term-Care Needs
Determine your potential long-term care needs and how long your current assets might last.
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Rightsizing for Retirement
What does your home really cost?
From Boats to Brokers
From the Dutch East India Company to Wall St., the stock market has a long and storied history.
Bridging the Confidence Gap
In the world of finance, the effects of the "confidence gap" can be especially apparent.
Retirement and Quality of Life
Asking the right questions about how you can save money for retirement without sacrificing your quality of life.
Encore Careers: Push Your Boundaries
Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here.
Saving for College 101
Here's a crash course on saving for college.


