Retirement Income Smackdown Case Study (Panelist)

Product manufacturers are still focused on providing guaranteed income streams and insurers continue to roll out guaranteed options. Nevertheless, one size does not fit all, i.e., retirement income solutions should be personalized and process driven. Rather than host a traditional pre-populated conference session, this breakout session will feature a Retirement Income Smackdown case study. This unique session will feature three advisors with different approaches slugging it out over the best solution for "one" client. Case study submissions are open to all industry professionals who plan on attending the CFDD's Advisor Conference. The three best entries representing the Buckets, Total Return and Guaranteed schools will be selected as finalists. Each finalist will have up to twelve minutes to present and defend their solution. An audience of peers will direct pointed questions to each finalist and then cast their vote to determine the winner.


Segment 1
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Segment 2
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Curtis Cloke, CLTC, LUTCF
Financial Advisor and Life Planner
Two Rivers Financial Group

Curtis has been meeting the financial and insurance needs of his clients since 1987.  After 18 years of managing his own practice, he merged with Two Rivers Financial Group in August 2004.  Curtis is an award-winning financial advisor, recognized as a finalist for Senior Market Advisor of the Year by Senior Market Advisor in 2009.  He is nationally recognized as a speaker and trainer across the financial services industry, specializing in retirement income and estate planning.

Curtis and his team provide the following services:

     For Individuals:
          * Retirement and retirement income planning
          * Estate and legacy planning
          *  Investment management and portfolio design
          * Life insurance and medical coverage

     For Businesses:
          * Group benefit designs
          * Business succession planning
          * Buy-sell agreements and funding designs

Curtis is a Top of the Table member of the Million Dollar Round Table and is also a member of the National Association of Insurance and Financial Advisors and the Society of Financial Service Professionals.

Curtis is located in Burlington, Iowa where he has lived since 1969.  He enjoys working with his community and his church, where he is on many boards and committees. He is married to Kelly and has five children, including a son, Joshua, who became a partner on Curtis\\\' team in 2008.

Curtis is a Registered Representative and Joshua is an Associated Person of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance products, and are not affiliated with Two Rivers.


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E-Mail:    Phone: 800-942-1953


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