If you are looking a financial partner to help you identify goals and priorities, explain financial matters in plain English,
and work with you to plan a future with less worry about the costs of everyday life… then you’ve come to the right place.
While we can’t predict what the future will bring, we can be more prepared. Because none of us know how well or how long we will live, insurance helps maintain lifestyle, while keeping the fear of "running out" from becoming a distinct possibility. From insuring your health to insuring your money, protecting you from risk is part of a comprehensive financial plan.
As an Independent Advisor Representative, Ralph McReynolds is committed to you. Product quotas, market timing or hot stock picks are nowhere to be found. While some investment strategies are specifically designed to produce retirement income, all are customized around your specific time horizon, feelings toward risk and return, and unique set of goals for the rest of your life.
As a firm, listening is job number one. We consider things not found on a balance sheet: aspirations, fears, health, longevity, resilience and appetite for risk. We then look to what can be counted: budgets, assets, financial obligations, savings, and social security. Together we partner to find the proper balance between a sound financial plan and maintaining quality of life.
Life is full of transitions. Why go it alone when you could have a partner to guide you?
Profile your assets. You and your family can’t know where you’re going, if you don’t fully understand your present set of financial circumstances. You need a plan to achieve your financial goals with confidence.
Longevity brings new dimension to financial planning. Although past generations never had to consider the probability of a decades-long retirement, today’s retirees will live many more years without a paycheck.
Now is the time to put the tools in place to build assets and manage your financial risks. Savings, through insurance or investment products - as well as protecting your family from uncertainties - is key to your financial future.
Protect your loved ones by communicating your Legal, Individual, Financial and Estate matters. When the day comes that they need to know, your diligence of having digitally organized LIFE’s important papers, will be invaluable.
The difference between living to age 85 and living to 105 is significant. A longevity plan manages your financial risk, ensures you and your loved ones are taken care of, and establishes your wishes so that they may be honored.
We believe when it comes to financial planning, you can live more and worry less.
Kent has had multiple successful careers, including serving the Moorman Manufacturing Company for over twenty years and consulting internationally. Kent decided to find a career that could serve his home community and on the advice of an investment advisor, he opened this financial services firm. Kent knew fixed annuities and life insurance to be staples of solid financial planning. He was ahead of his peers, however, in his early recognition and advocacy for Long Term Care Insurance. Kent’s life and business experience in strategic planning, consulting, sales and operations are an important aspect of our planning process. Kent has earned several awards in the insurance industry and is an expert in risk management and in the tax-free retirement model. Kent is a proud University of Missouri alum. He has served on the Board of Directors for many area non-profit agencies. He and his wife Teresa have two daughters (and sons-in-law) in California and most importantly, have welcomed both a grandson and a granddaughter to the family. In addition to photography and music, Kent enjoys golf, travel, and spending time with his family.
Ralph grew up in Quincy. He and his wife Laura decided to return to Quincy for the same reason many other young couples do - it’s a great place to raise a family. Ralph is a graduate of Illinois State University and earned a M.A. degree in Industrial Organizational Psychology from the University of Tulsa. Ralph was drawn to the financial services industry after owning and operating a home care business where he saw first hand the financial drain caused by a long term care need. He wanted to help people become financially prepared for this transition in life. Although Ralph was impressed with the fact that insurance-based financial tools provided "sleep insurance" for clients who had to weather the downward markets of 2008, he remained a strong advocate for the opportunity that investments provide. Now an Investment Advisor Representative offering advisory services through Regal Investment Advisors, Ralph can offer the best tools - securities and insurance - to each unique client. Ralph currently serves on the Camp Callahan board and has additionally volunteered for many worthy causes. Ralph loves spending time outdoors with the couple's two boys. They can be found on bicycles, Scout camp-outs, and at the rifle range.
Laura's legal background and experience in the financial industry gives her a unique viewpoint when it comes to the financial nuances of estate planning. Her passion is longevity planning - helping ensure her clients don’t spend their last dime on elder care. After watching her own family struggle with the logistics of care giving, she believes that creating a financial plan for this transition in life alleviates some of the emotional toll that arises when a loved one requires extended care. Laura’s role on the team also includes her expertise in retirement income planning, maximizing Social Security and navigating the maze of Medicare. After graduating from the University of Arkansas, Laura received her law degree from the University of Tulsa College of Law. She maintains her law license in Colorado and is a member of the Adams County Bar Association. She is insurance licensed in Illinois and Missouri. She has served the local community foundation, hospital, arts council and schools among other worthy causes. When she isn’t on the job, Laura stays busy in her role as Mom and enjoys spending time with Ralph and the boys. She also loves tennis, gardening and activities at their church.