"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
Dog Bites Neighbor. Now What?
Even dogs have bad days. So, what happens when your dog bites a neighbor or passing pedestrian?
How to Appeal Your Property Taxes
For homeowners who think their property taxes are too high, there are ways to appeal.
Navigating Retirement Pitfalls
Why are they made again and again? Making sense of these errors in judgment.
Can I Create a Roth if I’m Over the Income Limit?
Use this article to start conversations about the “backdoor” Roth IRA strategy.
Who Is Your Trusted Contact?
This investment account question is vital and answered as early as possible.
Retirement Plan Choices for Small Businesses
Retirement choices can feel intimidating. Choosing the right strategy can make all the difference.
Prevent a Rift: Money Tips for Newlyweds
Couples may be able to head off many of the problems in a marriage that money can cause.
Saving Early & Letting Time Work for You
See how starting early—not saving more—can be the most powerful move you make for your long-term future.
What to Look for in an Extended-Care Policy
Here’s a list of 8 questions to ask that may help you better understand the costs and benefits of extended-care insurance.
View all articles 
How Long Will My Savings Last If I Become Disabled?
See how long your current savings might last if a disability interrupted your income.
Annuity Comparison
Compare annuity options to see how each one could affect your long-term income outlook.
Credit Card Payoff
Find out how long it may take to pay off a credit card balance and what it costs in interest.
Roth 401(k) vs. Traditional 401(k)
Compare Roth and traditional 401(k) options to see which may work better for your situation.
Historical Inflation
See how the purchasing power of a dollar has changed over time due to inflation.
Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
View all calculators 
Once Upon a Goal
Do you know how to set up your financial goals for success? This knight does.
What Smart Investors Know
Savvy investors take the time to separate emotion from fact.
Exit Strategies of the Rich and Famous
Estate conservation is too important to put off. Do you have a smart exit strategy?
Dreaming Up an Active Retirement
When you retire, how will you treat your next chapter?
Retirement Redefined
Around the country, attitudes about retirement are shifting.
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.


