"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
Types of Stock Market Analysis
Most stock market analysis falls into three broad groups: Fundamental, technical, and sentimental. Here’s a look at each.
Preparation is the Key to Retirement
The simplest ideas can sometimes make a massive difference over time. Enjoy this brief video to learn more.
Comparing Mortgage Terms
Compare different mortgage term lengths side by side to find the option that fits your budget.
To choose a plan, it’s important to ask yourself four key questions.
Gap Insurance for Leased Cars
If you’re thinking of leasing a new car, then you shouldn’t forget about gap insurance.
A Bucket Plan to Go with Your Bucket List
Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.
Four Reasons Millennials Need an Estate Strategy
Estate strategies for millennials may sound like less of a concern than retirement, but young adults should prepare now.
Fixed or Variable Mortgage, Which Should You Pick?
When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.
How Boomers and Millennials Differ
The YOLO Economy is a focus on experiences over material possessions, prompting Boomers to consider a similar mindset.
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Inflation & Retirement
See how inflation over time could affect the purchasing power of your retirement income.
Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
IRA Income
Estimate the potential monthly income your IRA balance could generate in retirement.
Debt vs. Investment
Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying a home.
The Power of Interest - How Long Will it take My Money to Do
Use the Rule of 72 to estimate how long it takes your money to double at a given rate.
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A Bucket Plan to Go with Your Bucket List
A bucket plan can help you be better prepared for a comfortable retirement.
Should You Invest in Exchange Traded Funds?
There are thousands of ETFs available. Should you invest in them?
Dreaming Up an Active Retirement
When you retire, how will you treat your next chapter?
Should I Invest in Gold?
Learning more about gold and its history may help you decide whether it has a place in your portfolio.
Timing Your Retirement
This short video illustrates the importance of understanding sequence of returns risk.
Bridging the Confidence Gap
In the world of finance, the effects of the "confidence gap" can be especially apparent.


