At The Retirement Income Store®, we don’t take shortcuts when it comes to helping our clients achieve their retirement goals. One thing that sets our Income Specialists apart from most traditional stock market based financial advisors is that our Income Specialists avoid bond mutual funds. Instead, they take the time to create custom portfolios of individual Fixed Income Investments for our clients.
That’s because we believe an actively managed portfolio of individual fixed-income securities, such as bonds and bond-like instruments, can provide a significant reduction of risk and costs compared to mutual funds containing similar investments.
Not only that but when our clients invest in individual bonds, they receive two important guarantees:
- They’re guaranteed a fixed rate of interest for the life of the bond
- They’re guaranteed to get the par value back—assuming no defaults
When it comes to bond mutual funds, no such guarantees exist.
The bottom line is that our Income Specialists possess the specialized knowledge about fixed-income investing required to help our clients establish renewable streams of income for retirement. By doing so, we’re able to help our clients enjoy retirement with a greater sense of consistency than most traditional stock market-based plans can offer.
If you are interested in learning more about how fixed income investments can help you enjoy the retirement you’ve always envisioned, check out our past post: The Definitive Guide to Retirement Income.
With that said, here are some of our Income Specialists across the country—who are ready to help you achieve your goals for retirement. Find an Income Specialist in your area now.
The Original Income Specialist—Florida and Connecticut:
David J. Scranton, CLU, ChFC, CFP, CFA, MSFS, Founder of The Retirement Income Store, Fort Lauderdale, Florida; Founder, Scranton Financial Group, Westbrook, Connecticut
David J. Scranton is an Amazon Bestselling Author, money manager, and Founder of The Retirement Income Store®. David is also the Founder of Advisors’ Academy, Sound Income Strategies, LLC, and Scranton Financial Group.
David is an independent financial advisor, with more than 30 years of experience. He has specialized in income generating investment strategies for the past 20 years.
Prior to that, he followed a typical business model focused on stock market-based investments. However, in 1999, while many on Wall Street believed the sky was the limit for stock market investors, David’s knowledge of stock market history led him to believe there was trouble ahead.
It was at this time that David made the change to a business model focused primarily on non-common stock, income-generating investments. As a result, David was able to help many of his clients avoid damaging losses during the two major market corrections that began in 2000 and 2007.
Invited to appear on CNBC, Bloomberg, and Fox Business, David Scranton is the host of his own national TV show, The Income Generation, broadcast to 80 million households each Sunday on NewsmaxTV at 10 am EST.
David’s most recent Amazon Bestselling book, The Retirement Income Stor-E, is available for purchase on Amazon.com.
Income Specialist, Florida:
Jeffery Small, President, Arbor Financial Services of Florida, Inc., Melbourne, Florida
Jeffrey Small is President of Arbor Financial Services of Florida, Inc., with an office in Melbourne, Florida. Jeff is an Amazon Bestselling Author, the co-host of the national TV show The Income Generation with David Scranton, as well as the National Brand Ambassador of The Retirement Income Store®.
Jeff’s Amazon bestselling book Turning Financial Planning Right-Side Up has helped thousands of readers master the inside game of investing. The book reveals how Wall Street, many stock market-based advisors, and the media can steer investors into poor and expensive decisions. In the book, Jeff prescribes proven alternatives that can help investors better protect their retirement savings—so they can use it to generate income for retirement.
Dedicated to helping his clients reap the rewards of a well-planned retirement, Jeff has been featured in business publications like Space Coast Business Magazine, as well as financial news shows such as Varney & Co. and Cavuto Live, on networks like CNBC, Fox News, Fox Business News, and Bloomberg Radio.
Jeff’s Amazon Bestselling book, Turning Financial Planning Right-Side Up, is available for purchase on Amazon.com
Fixed Income Specialist, Tennessee:
Wesley Wood, President, Wood Financial Group, LLC, Hendersonville, Tennessee
Wes Wood is the Founder and President of Wood Financial Group, LLC, and a three-time winner of Best Financial Advisor in Sumner County, Tennessee.
Wes and his firm provide clients with comprehensive financial strategies, including wealth management and retirement planning. Wes specializes in helping clients invest for income, so they can better preserve their capital during retirement.
Wes’s commitment to his clients and their success is what drives him to regularly host community education workshops. He also helps to educate those in his community through his financial radio show, The Retirement Income Doctor, which airs on WLAC.
Wes has been a featured guest on national financial TV shows, including The Willis Report and Varney & Co.
Wes serves on the board of Advisors’ Academy, an organization that helps develop advisors across the country. Wes was recently named the Advisors’ Academy Advisor of the Year and currently volunteers at his local church and the Loyalty Foundation at Ole Miss. Wes graduated from the University of Mississippi with a Bachelor’s in Business Administration and a Minor in Accounting.
Fixed Income Specialist—Huntsville, Alabama:
Brad Williams, President & CEO, Brad Williams Financial Services
Brad Williams is an Investment Advisor Representative specializing in Retirement and Estate Planning. Brad has been an independent financial services representative since 1987, and President/CEO of Brad Williams Financial Services since 2002.
Brad is an active member and two-time past president of Huntsville’s oldest and most well-established Business Networking International (BNI) affiliate, Heritage BNI, as well as a past member of the Board of Advisors of Senior Market Advisor Magazine.
Brad has taught a Retirement Planning class at a local university for the last 14 years and is occasionally invited to share his insights on local and nationally-syndicated radio and TV shows. His company, Brad Williams Financial Services, maintains an A+ rating as a member of the Huntsville Better Business Bureau.
Fixed Income Specialist—Toledo, Ohio:
David Wright, CLU, ChFC, President, Wright Financial Group, LLC
David Wright is a 30-year veteran in the financial services industry, working with families, individuals, and businesses in many different financial areas.
As a pre- and post-retirement advisor, David has helped hundreds of people maximize the utility of their money with non-common stock, income-generating securities.
David is a Series 65-licensed Investment Advisor Representative with Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm located in Ft. Lauderdale, FL.
David resides in Sylvania, Ohio with his wife. He has 2 sons and 2 beautiful grandchildren. In his downtime, David enjoys singing at his church, playing golf, and relaxing with his family.
Fixed Income Specialist—Baton Rouge, Louisiana:
Drew Pelton, CFS, ChFC, President & Founder, Drew Pelton Investment Services
During Drew Pelton’s career, which has spanned nearly four decades, he has served hundreds of clients in the Baton Rouge metropolitan area and throughout the state of Louisiana by way of his firm, Drew Pelton Investment Services.
Drew and his firm provide clients with financial advisory services in the areas of investment solutions, retirement planning, tax strategies, annuity solutions, and estate planning.
Drew’s understanding of the financial markets is substantiated by his academic background, which includes a Bachelor of Science Degree from the State University of New York, as well as the Certified Fund Specialist (CFS) and Chartered Financial Consultant (ChFC) designations.
One of the things that sets Drew apart from most financial advisors is his high-level experience working and coordinating with CPAs, attorneys, financial planners, and brokers. This approach helps assure his clients get the best communication, service, and results.
Fixed Income Specialist—Midland, Texas:
Dee Carter, CLU, ChFC, RFC, Amazon Bestselling Author, President, Carter Financial Group
As President of Carter Financial Group, Dee Carter enjoys bringing stability and peace of mind to his retirement-planning clients. With more than 45 years of experience in insurance and financial services, Dee opened his own independent firm, Carter Financial Group, in 2001, which specializes in more conservative investments.
Dee is the author of the Amazon Bestselling book It’s Now or Never… How to Enjoy Life and Not Let Your Investments Own You! Chock-full of wisdom and solid financial tips, the book presents a fun way to learn important lessons about planning and saving for retirement.
Born in Abilene, Texas, Carter played basketball at Abilene Christian University where he earned his B.A. and M.A. in Bible and New Testament. After serving as a youth minister for six years, he discovered his calling in the insurance and financial services industry. He worked for an insurance company for 25 years before founding Carter Financial Group.
Fixed Income Specialist—Coconut Creek, Florida:
Steve Archer, President, Strategic Senior Benefits Group
Steven Archer graduated from St. John’s University in Queens, NY in 1988, and immediately entered the financial services industry. Before founding Strategic Senior Benefits Group, he helped build two firms in New York and Florida into Fortune 100 companies.
Since 2007, Steve has called Florida home and has developed a following who appreciate his focus on investing for income. The key has been Steve’s direct approach, communicating with his clients what they need to hear, at the time they need to hear it. The results have been open lines of communication, clarity, and realistic expectations.
Steve has spoken in front of thousands of advisors during his 30-year career and has been responsible for personally developing many financial advisors. He still makes it a practice to coach other financial advisors.
In his spare time, Steve enjoys coaching baseball, a passion that was developed when his three sons began to play in 1998. He also enjoys reading, riding his Harley, and traveling to experience the people and cuisine of different parts of our great country.