Broker Check

Straight Talk on Retirement

Jeff and Erin are live and local every Saturday from 10:00-11:00 A.M (CST) on the Big 550 KTRS, answering some of the most confusing questions we face when dealing with retirement and health coverage. They pride themselves on their no-nonsense approach to educating listeners about retirement.

Call in and ask us your questions at 1-888-550KTRS. Don’t want to call in? Email us or fill out a contact form, we will get back to you by next day.   

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Investing involves risk including loss of principal.
The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time.

Investing involves risk including loss of principal. 
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

No strategy assures success or protects against loss. Investing involves risk including loss of principal.

The principal value of a target fund is not guaranteed at any time, including at the target date.The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax-free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.The examples provided are hypothetical examples and is not representative of any specific investment or situation. Your results will vary.


No strategy assures success or protects against loss. Coventry is a separate entity from LPL Financial.



Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims-paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.

The case studies are situations are hypothetical situation based on real-life examples. 

Names and circumstances have been changed. The opinions voiced in the material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments or strategies may be appropriate for you, consult your financial advisor prior to investing.


The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax-free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.


Investing involves risk including loss of principal. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax-free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change. Coventry and Aetna are separate entities from LPL Financial.

Straight Talk on Retirement 6/4/17


Straight Talk on Retirement 5/20/17

Straight Talk on Retirement 5/13/17

*Stock investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

Straight Talk on Retirement 5/6/17

*Investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices.The examples provided are hypothetical examples and is not representative of any specific situation. Your results will vary.

Straight Talk on Retirement 4/29/17

*No strategy assures success or protects against loss. Investing involves risk including loss of principal. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax-free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.