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In the three months prior to your 65th birthday, you are eligible to apply for Medicare coverage. Signing up early means you’ll be covered the moment you turn age 65 and you may avoid potential gaps in insurance coverage and...

To all veterans of all branches and to those who continue to serve. Thank you for your sacrifice, your bravery and the example you set for us all. Thank you for your service!

Visit us today to watch our video presentation www.efs4u.com

Are you getting the most out of your retirement plan?

Marc Geels, CFP®, BFA™

Tuesday, August 17, 2021

Listen to Marc on Money to find out if you are on the right track. https://soundcloud.com/user-939064/marc-on-money-written-financial-plan

Are you financially secure?

Marc Geels, CFP®, BFA™

Wednesday, August 11, 2021

Listen to this episode of Marc on Money to fin out if you are financially secure. Click here to learn more: https://soundcloud.com/user-939064/20-05-23-marc-on-money

A retirement income plan should include guaranteed income, growth potential, and flexibility. Plan for a long retirement, inflation, market volatility, and withdraw the right amount from savings to help reduce the chances of running...

Written Plan for Retirement

Marc Geels, CFP®, BFA™

Monday, March 22, 2021

Do you have a written financial plan for your retirement? https://soundcloud.com/user-939064/marc-on-money-written-financial-plan

What is the #1 Question people ask in Retirement?

Marc Geels, CFP®, BFA™

Friday, March 19, 2021

How much money do I need to retire? I'd like to hear what you think.

Don't Risk Your Retirement

Marc Geels, CFP®, BFA™

Wednesday, March 10, 2021

Are you prepared for unexpected things to occur during retirement?

Your retirement situation is ever-changing, and recognizing that fact is the key to creating a successful, long-term, retirement strategy that stays in sync with your life. As your retirement progresses, keep in mind that our email...

The longest English word having only a single vowel is strengths.

Yoda and Miss Piggy were both voiced by the same person. Who knew?

In the three months prior to your 65th birthday, you are eligible to apply for Medicare coverage. Signing up early means you’ll be covered the moment you turn age 65 and you may avoid potential gaps in insurance coverage and...

This week alone, we have helped clients save hundreds of thousands of dollars by giving them advice on filing for social security. Send a message with your questions or concerns regarding your social security plan. Contact Us

Movie critic Bruce Miller, The Sioux City Journal. says “Minari” uses small moments to make big statements. Visually and emotionally, it’s a beautiful film – one that stakes a claim to your heart and reminds you...

At age 59½, you may be eligible to start making withdrawals from qualified retirement plans without incurring a 10% federal income-tax penalty. Keep in mind that distributions are taxed as ordinary income. If you’re...

You don't know what you don't know until you know it. I had a prospective client come in and they had already filed for Social Security. It was clearly going to cost his retirement income a lot of money. He was able to go back and redo...

The ZIP in zip code stands for Zone Improvement Plan

Listen to Marc on Money on KSCJ 1360AM or 94.9FM on Sunday mornings at 7:30 for Smart Retirement Strategies. To listen to pre-recorded shows now visit: https://soundcloud.com/user-939064

Using smart management to get more of what you want and free up assets to invest. Managing Your Lifestyle

Elvis never performed a single encore, so when he left, he wasn't coming back. Hence the phrase 'Elvis has left the building'.

Listen to Marc on Money on KSCJ 1360AM or 94.9FM on Sunday mornings at 7:30 for Smart Retirement Strategies. Listen Now

It’s possible to avoid these classic #retirement traps, with a little preparation. Learn More

Saving For Retirement Calculator

Marc Geels, CFP®, BFA™

Thursday, December 31, 2020

Retirement may start a new phase of your life. This pre-retirement calculator is designed to help you assess how well you have prepared and what you can do to potentially improve your retirement outlook. https://www.efs4u...

While it may be hard to think of now, it’s likely that you’ll need some type of healthcare or daily living assistance as you age. People often think that Medicare covers long-term care, either at home or in a nursing...

Have you started planning out your retirement dreams? Most of us develop a vision that includes spending time relaxing, traveling, taking up new hobbies, meeting new friends, and reconnecting with old ones.Dreaming about the future...

Remember, you may need to begin taking required minimum distributions (RMDs) from certain retirement accounts once you reach age 72. Prior to the 2019 SECURE Act, the age was 70½.

In the three months prior to your 65th birthday, you are eligible to apply for Medicare coverage. Signing up early means you’ll be covered the moment you turn age 65 and you may avoid potential gaps in insurance coverage and...

Marc on Money explains if you are financial secure. Click here to learn more: https://soundcloud.com/user-939064/20-05-23-marc-on-money

Don't face the future without a plan. Be sure you are well equiped for retirement. We will help you prepare for your next step towards retirement with a comprehensive retirement plan. Call us today 712-224-4651 or visit us www.efs4u.com

Would you like to save more money in retirement?Listen to Marc on Money on KSCJ 1360AM - 94.9FM Sunday Mornings at 7:30am. You can also listen to Marc's Retirement Planning Check-Up on Sound Cloud. https://soundcloud.com/user-939064

In the three months prior to your 65th birthday, you are eligible to apply for Medicare coverage. Signing up early means you’ll be covered the moment you turn age 65 and you may avoid potential gaps in insurance coverage and...

Each year of life presents its own challenges and opportunities. Working with us means you can pick up the phone to get financial insight from someone who genuinely cares about you and your family. That’s a gift you deserve to...

At age 62, you can start to draw Social Security retirement benefits. However, if you continue to work, those benefits will be reduced. The Social Security Administration will deduct $1 in benefits for each $2 an individual earns above...

Scams increase near year-end when people are caught up in the generosity of the holidays, online shopping intensifies and they begin preparations for the next tax season. Here are some ways to protect yourself from identity theft: BEST...

Consider this...

Marc Geels, CFP®, BFA™

Wednesday, October 9, 2019

In the three months prior to your 65th birthday, you are eligible to apply for Medicare coverage. Signing up early means you’ll be covered the moment you turn age 65 and you may avoid potential gaps in insurance coverage and...

FOOD TRUCK FRIDAY coming September 27! Meet Sarge the Service Dog!

Cari Kellen, BFA™

Wednesday, September 11, 2019

Food Truck Friday! - Coming September 27 11:00am - 1:00pm to the Lowes south parking lot - 5758 Sunnybrook Drive - next to EFS Group Wealth Management. Join us for lunch! Register for door prizes. At 12:00 special guest Sarge, a 12...

American humorist Mark Twain once quipped, “I have been through some terrible things in my life, some of which actually happened.” The same can be said of investors. Investors often waste precious time and valuable energy...

Age 59 1/2 is Significant

Marc Geels, CFP®, BFA™

Friday, August 23, 2019

At age 59½, you may be eligible to start making withdrawals from qualified retirement plans without incurring a 10% federal income-tax penalty. Keep in mind that distributions are taxed as ordinary income. If you’re...

Feel secure about Social Security

Marc Geels, CFP®, BFA™

Friday, July 19, 2019

Three important questions to consider before you start taking Social Security

What is one of the most underestimated risks in retirement?

You don't know what you don't know until you know it. I had a prospective client come in and they had already filed for Social Security. It was clearly going to cost his retirement income a lot of money. He was able to go back and redo...

Check out EFS Group and their new blog.

Marc Geels, CFP®, BFA™

Thursday, December 27, 2018

Changes in tax laws, estate planning and insurance regulations and the general fluctuations in the marketplace can affect your investment strategies. Our weekly blog will keep you current on everything you need to know to pursue your...