"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
Eight Mistakes That Can Upend Your Retirement
There are common mistakes you can avoid when saving for retirement.
The Fed and How It Got That Way
Here is a quick history of the Federal Reserve and an overview of what it does.
Retiring Wild: National Parks and You
Get ready to enjoy America’s national park system with this helpful article.
Please Leave Home Without It
Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.
Building Your Legacy
A four-step framework for building a personal legacy.
What Is a 1035 Exchange?
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
Assess Life Insurance Needs
How to help determine life insurance needs to provide for your family after you pass away.
Financially Savvy at Six Figures
Help your clients with these practical steps to make the most of their six-figure income.
Social Security: The Elephant in the Room
Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed.
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Inflation & Retirement
See how inflation over time could affect the purchasing power of your retirement income.
Long-Term-Care Needs
Estimate potential long-term care costs and what coverage may help address them.
Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
Comparing Mortgage Terms
Compare different mortgage term lengths side by side to find the option that fits your budget.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio to understand how lenders may view your financial health.
Comparing Investments
Compare two different scenarios side by side to see how they stack up over time.
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Retirement and Quality of Life
Asking the right questions about how you can save money for retirement without sacrificing your quality of life.
The Real Cost of a Vacation Home
What if instead of buying that vacation home, you invested the money?
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
Extended Care: A Patchwork of Possibilities
What is your plan for health care during retirement?
The Cycle of Investing
Understanding the cycle of investing may help you avoid easy pitfalls.
Dog Bites and Homeowners Insurance
Reviewing coverage options is just one thing responsible pet parents can do to help look out for their dogs.


