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Your Future

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

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Do you know someone who is worried about retirement, has questions about their social security strategy or needs a written financial plan?

Our goal is to help people attain their financial dreams. If you know someone we may be able to help, please pass our information to them or give us a call today! 712-224-4651. We can schedule an appointment and see if we may be able to help them better prepare for their future.

Events on Wall Street

Can successful investors predict changes in the markets? Some can but others miss the market’s signals.

The Great Debate Continues: Active vs. Passive

In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”

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.

Retiree Health Care Coverage Overseas

Retirees traveling abroad need to know that their health insurance travels with them.

Volunteering in Retirement

For many, retirement includes contributing their time and talents to an organization in need.

A Penny Saved is Two Pennies Earned

Here are some simple and inexpensive energy-saving tips that may help you save money.

Keeping Good Records is Good Business

Maintaining good records for your business not only helps to meet your tax and legal obligations, but it can save you money.

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.

Understanding the Alternate Valuation Date

Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."

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What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

Saving for College

This calculator can help you estimate how much you should be saving for college.

How Compound Interest Works

Use this calculator to better see the potential impact of compound interest on an asset.

What's My Potential Estate Tax?

This calculator helps estimate your federal estate tax liability.

Annuity Comparison

This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

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5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

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Emerging Market Opportunities

What are your options for investing in emerging markets?

Jane Bond: Scaling the Ladder

Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

The Business Cycle

How will you weather the ups and downs of the business cycle?

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations?

The Cycle of Investing

Understanding the cycle of investing may help you avoid easy pitfalls.

The Power of Compound Interest

Learn how to harness the power of compound interest for your investments.

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We are in this together.

I am proud to say that we have an excellent team here at EFS Group Wealth Management. I take pride in the fact that we are working hard every day to do what is best for our clients. We put you first!

We are a local, independent, employee owned firm that started in Sioux City in 1991. Our primary focus is helping people with their financial retirement plans and helping their retirement income grow by having reputable investment strategies implemented. To better serve our clients, we have several advisors who work as a team and we have many resources that we have implemented. We partnered with Sioux Valley Community Credit Union which has 3 locations in the Sioux City and Sergeant Bluff areas. More recently we opened a branch in Sioux Falls, South Dakota, to expand our outreach.

I take a lot of pride in knowing that we help people all over the country with their retirement portfolios. After meeting with us, you will receive a written, comprehensive financial plan, a tax map, a social security strategy and you will have a better understanding of your investments. Retirement can be complex, confusing and overwhelming. That’s why people to turn to us for help.

For more details about our strategy, be sure to watch the video on our home page. Click on “Watch Presentation” in the center of our home page. You will learn about the Income for Life Model™, which is a retirement income planning process that divides money into time segmented “buckets” with the goal of never drawing income from an account that has suffered a loss. Having a strategy in place cannot guarantee profit or protect from market loss, however, it can help reduce the impact of the emotional decisions people tend to make in volatile markets.

Now with the unprecedented changes that we have had to endure in the last couple of months, we appreciate your understanding as everyone has had to adapt to changes to keep our families and communities safe.

Our clients understanding, flexibility and loyalty have filled me with immense gratitude. The flexibility in embracing digital channels to interact with us, instead of calling or visiting a branch. We are grateful we can use our resources to best serve our clients and communities. Quickly transforming our workforce to work remotely to serve our clients across the country helped us achieve our top priority: continuing to provide services while keeping everyone safe.
We will continue to respond with changes needed to support our clients, because in times like these, we have an obligation to do our very best. We’ve been able to offer assistance to customers impacted by COVID-19 while continuing to provide service through all channels – digital, phone, on-line meetings and drop off transactions in our branches.

We are grateful for the opportunity to continue serving and assisting you during this extraordinary time, now and in the future.

And remember, we’re in this together.

With much gratitude,

Marc Geels, CFP®, BFA™
CEO, Wealth Manager

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Office:	(712) 224-4651
Toll-Free:	(888) 303-3374
Office:	(605) 321-3534
Fax:	(712) 224-4655

info@efs4u.com