• Are you unsure how to leverage your retirement savings for the long haul?

  • Is it time to start saving for your child’s college education?

  • Is it time to start saving for your child’s college education?

We are a team of independent financial advisors who apply a holistic perspective and take a personalized approach to financial planning and wealth management. By understanding your specific needs and desires, our team is able to design a plan that aligns with your personal values and financial objectives.​​​

MEET THE TEAM

Our team of Certified Financial Planners™️ help our clients pursue their ideal financial futures while staying on course for the long haul.

AARON M. PUCKETT

MBA, CFP®

“I love being able to sit down with someone, get to really know them, and help them to plan accordingly.”

DEBORAH A. WILLIAMS

CFP®

“It’s amazing to get to work with someone over a span of twenty years and watch them pursue the financial plans we’ve helped them to implement.”

DAVID A. HEMLER

MS, MPAS®, CFP®

“We help our clients take a disciplined approach to their finances which results in the pursuit of their dreams and things they didn’t think were possible.”

Jacob Sturgill - Puckett and Sturgill Financial Group

JACOB L. STURGILL

CFP®

“Each person is different and helping someone to make the choices that are best for them is what is most important.”

PAUL SORENSON

FINANCIAL PLANNER

“Getting to know each client individually and then helping them pursue their goals and passions is an incredible privilege.”

HOLLY N. PAYNE

CLIENT SERVICE SPECIALIST

“Every person who calls or visits us is important to me. Whether it’s someone I talk to all the time or someone I’m meeting for the first time.”

GINA PUCKETT

CLIENT SERVICE SPECIALIST

“Life changes often and not always as expected. I enjoy staying connected to our clients, so we can help them navigate any and all of life’s changes.”

DEBORAH L. ANDERSON

CLIENT SERVICE SPECIALIST

“We take pride in serving our clients and caring for our clients just like family.”

VOTED CARROLL COUNTY’S BEST INVESTMENT CENTER

OUR SERVICES

FINANCIAL PLANNING INVOLVES MANY ELEMENTS AND OUR RECOMMENDATIONS SEEK TO HELP YOU SAVE WISELY, INVEST DILIGENTLY, AND LIVE CONFIDENTLY.

  • Create Retirement Income
  • College Saving Strategies
  • Estate Planning
  • Financial Strategies for Business Owners
  • Insurance Analysis
  • Increasing Tax Efficiency

We Seek to Help You Maximize Your Savings to Create Lasting Retirement Income

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We Help You Understand Choices for College Education Funding

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We Help You Devise a Plan for Those Who Matter Most

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While You Plan for Your Business, We Help You Plan for Your Own Financial Future

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We Help You Mitigate Risk and Protect What You Have

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We Strive to Help You Produce the Same Results but with Less Taxes

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2020 OUTLOOK

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FREE INSIGHTS FROM THE P&S TEAM

4 Retirement Planning Tips for Millennials and Gen X

In 2014, almost one-third of baby boomers had nothing saved for retirement. For those who did save, the median was around $200,000. This is a far cry less than the $1 million experts recommend for a 30-year retirement plan. Luckily, for millennials and Gen X, there is still plenty of time to craft an effective retirement planning strategy. Here are four tips to get you started.   Give Up the Love for Cash After witnessing the stock and real estate markets crash in the Great Recession, America’s millennials now mostly hedge their bets on cash investments. According to Forbes, cash investments yield returns of just 1.5% on average. While the stock market and other forms of investments are variable, the returns can be much higher. On average, the stock market yields 8% in annual returns. And, even in a decline, the people who can afford to wait out the market may benefit from its recovery.   Watch Out for Student Loans With the rising cost of obtaining a college education, no matter how well parents plan, most students need grants, scholarships and/or student loans. While paying off student loans is important, beware of spending all your money on paying off debt rather than saving up and investing some disposable income for retirement. You should definitely prioritize student loans, but not to the detriment of other financial goals.   Consider Home Ownership CNBC claims that it is better to rent than buy a home in today’s market. But, what does “better” really mean? For almost all calculations, what makes it better is that it is cheaper in the short run. However, for millennials and Gen Xers who can afford to purchase

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Buying Life Insurance: What Kind and How Much?

Conventional wisdom says that life insurance is sold, not purchased. In other words, some people are reluctant to discuss the importance of owning life insurance, and others are simply unaware of the need to have life insurance. Although many large companies provide life insurance as part of their benefits package, this coverage may be insufficient. Who needs life insurance? If there are individuals who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, you need life insurance. Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple’s retirement savings being depleted by unexpected medical expenses. And individuals with substantial assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future generations. Types of Insurance Term insurance is the most basic, and generally least expensive, form of life insurance for people under age 50. A term policy is written for a specific period of time, typically 1 to 10 years, and may be renewable at the end of each term. Also, the premiums increase at the end of each term and can become prohibitively expensive for older individuals. A level term policy locks in the annual premium for periods of up to 30 years. Declining Balance Term insurance, a variation on this theme, is often used as mortgage insurance since it can be written to match the amortization of your mortgage principal. While the premium stays constant over the term, the face value steadily declines. Once the mortgage is paid off, the insurance is no longer needed and the policy

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How to Save for Retirement and Avoid Overspending During Your Career

You know you want to enjoy your retirement, but getting to that point can feel difficult. Worried that you’re not saving enough? Trying to get your spending under control? These problems are common for many people who are trying to build their nest egg while balancing their budget, but these tips can steer you in the right direction.   Start Early The younger you start, the less you have to save, and if you’re not scrabbling to save at the end of your career, starting early frees up money in your budget during your working years. That said, regardless of your age, it is never too late to start saving for retirement, and there are tax incentives and special retirement plans designed to help people who need to catch up with their retirement goals.   Set Goals Set clear goals about what you want your finances to look like during your retirement. If you have a specific goal in mind, saving becomes easier because it’s more purposeful. You may not be as motivated if you’re just saving blindly.   Put Your Efforts to Work for You Look for the most effective saving methods. For instance, if your employer matches the first 2% of wages contributed to a 401(k), you should take advantage of that plan. With this type of set-up, you receive a 100% return before the investment even has time to grow. In contrast, if you simply put the funds in a savings account, you would merit a negligible interest rate. By choosing the most lucrative investments, you reduce the total amount you need to save and at the same time free up extra money for spending during your

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