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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.

Extended Care: A Patchwork of Possibilities

What is your plan for health care during retirement?

Surprises

Making the most of surprises is a great reason to work with us.

Inflation - Back to the Future

Even low inflation rates over an extended period of time can impact your finances in retirement.

Spotting Credit Trouble

The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.

How Does Your Credit Score Compare?

Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.

A Look at Diversification

Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.

Critical Estate Documents

Sound estate management includes creating financial and healthcare documents. Here's an inside look.

What Is an Annuity?

Annuities are versatile tools that can help you save for retirement and generate income in retirement.

The Business Cycle

Understanding the economy's cycles can help put current business conditions in better perspective.

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Assess Your Life Insurance Needs

This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.

Taxable vs. Tax-Deferred Savings

Use this calculator to compare the future value of investments with different tax consequences.

What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

How Compound Interest Works

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

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Principles of Preserving Wealth

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

5 Smart Investing Principles

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

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Protecting Those Who Matter Most

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

Investment Strategies for Retirement

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

Long-Term-Care Protection Strategies

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

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The Power of Tax-Deferred Growth

Why are 401(k) plans, annuities, and IRAs so popular?

The Cycle of Investing

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

Choosing a Mortgage

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

Events on Wall Street

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

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

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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