Top financial advisors in Effingham, IL
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
When you're planning your retirement income in Effingham, IL, you need advisors who understand that your retirement income won't be taxed by the state, but property taxes might impact your overall budget. A common mistake is overlooking how property taxes affect your cash flow during retirement, which can lead to unexpected financial strain.
- State tax knowledge. Confirm the advisor understands Illinois' no-tax policy on retirement income and how that shapes your withdrawal strategy.
- Property tax impact. Ask how they factor in potentially high property taxes when modeling your retirement expenses.
- Income sequencing. Look for advisors who plan the order of income sources to optimize tax efficiency and cash flow.
- Long-term planning. Ensure they consider changes in property taxes and living costs over time, not just initial retirement years.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Kurt S
Series 63, Series 66
Effingham, IL
OSAIC
Kurt Strullmyer, based in Effingham, IL, brings 33 years of experience and expertise in annuities, which can be crucial for managing retirement income and tax considerations in Illinois. Working with OSAIC, a large SEC-registered firm, he offers flat-fee financial planning and consulting services, providing flexibility and access to comprehensive investment strategies that consider long-term property tax impacts and income sequencing.
Experience: 33 years
Avg account: $398,336
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John P
CFP®, Series 63, Series 65
Effingham, IL
Cornerstone Wealth Management, LLC
John Perry's 28 years of experience and CFP® certification equip him to address retirement income planning in Effingham, IL, including the impact of property taxes on cash flow. His firm, Cornerstone Wealth Management, offers flat-fee financial planning and a tailored investment approach, serving diverse clients such as individuals and pension plans, which may provide broader perspectives compared to advisors focusing solely on individual retirees.
Experience: 29 years
Avg account: $386,247
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Matthew R
Series 63, Series 65
Effingham, IL
LPL Enterprise
Matthew Roedl's 15 years of experience and expertise in general retirement planning and tax-loss harvesting equip him to address retirement income strategies in Effingham, IL, including considerations for property taxes. Operating within LPL Enterprise, a large firm offering flat-fee financial planning and access to diverse investment options, he also brings insight from his background with Prudential and active community involvement, distinguishing him from other advisors.
Experience: 15 years
Avg account: $239,757
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Kent S
CFP®, Series 63
Effingham, IL
Smith, Moore & Co.
Kent Schmidt's 32 years of experience and CFP® certification equip him to address retirement income planning in Effingham, IL, including the impact of property taxes on cash flow. His firm, Smith, Moore & Co., serves a diverse client base with portfolio management and financial planning, offering flexible hourly fees and a mix of advisor-managed and third-party investment solutions, distinguishing him from advisors with narrower scopes or fee structures.
Experience: 32 years
Avg account: $530,650
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Robert B
Series 63, Series 65
Effingham, IL
Edward Jones
Robert Brown's extensive 28 years at Edward Jones equip him to address retirement income planning in Effingham, IL, with a focus on estate planning and multi-generational wealth transfer. His experience at a large firm managing diverse investment strategies, combined with his local role as Effingham Water Authority chairman, distinguishes him from other advisors by blending broad resources with community insight.
Experience: 28 years
Avg account: $246,728
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