Financial Planning Services

What are your most important goals?


Our world has changed significantly just as so many approach the cusp of retirement. We advise, guide and help individuals and couples create personalized financial and retirement income plans. We also believe it’s important today to get a second opinion or review your existing plan and strategies amidst these disruptive changes we are all experiencing, in order to adjust or create a plan that aligns with your unique situation going forward. In this environment of increased uncertainty, it’s important to Know Your Options.

Investing involves risk including potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Neither LPL Financial, nor its registered representatives, offer tax or legal advice. Always consult a qualified tax advisor for information as to how taxes may affect your particular situation. 

Retirement and Income Planning

If you’re wondering where will your retirement money come from and how much can you expect from your qualified retirement plan, Social Security and your personal savings and investments, you are not alone. We advise, guide and help individuals and couples create personalized retirement plans and also review and re-assess the over-all risk management of both the accumulation/investment plan and the income distribution plan that’s essential in retirement. You may benefit from a no-cost Retirement Plan review.

  • Evaluation of goals and risk tolerance
  • Evaluation of budget in relation to your goals
  • Review of any current investments
  • Overview of portfolio design
  • Risk review for income, life and estate
  • Recommendations for your retirement planning strategies

Educational Workshops and Financial Planning Tools

Part of a comprehensive financial plan is understanding the issues and opportunities ahead of you. We educate our clients through workshops and webinars and utilize timely and useful tools in our planning services that address:


  • MoneyGuide Pro Financial Plan analysis
  • Health Care Costs in Retirement
  • Social Security analysis
  • LTC/Extended Care analysis

Extended Care/LTC Planning, Risk Management and Insurance

Manage what matters most. Reach out to us to help you navigate through those tough questions and learn more about what options are available through prudent and innovative risk management and insurance strategies - for every stage of life. Whether you're looking to prepare for Extended Care and Long-Term Care, manage future income, searching for affordable term insurance or the lifelong management and cash value of permanent insurance, we will assist you in what you need to know about the many new options available for your legacy, retirement and income risk management. 

Asset Management

An important part of accumulating wealth is to create a sound financial plan for asset management. Depending upon your needs and the stage of life that you’re in, we will consider investments that provide different tax advantages, both tax free and tax deferred. We will also discuss the need for protection for your heirs through different life insurance strategies.


It is important to manage the impact of taxes with careful and consistent preparation through a team approach with your tax advisor. Understanding tax strategies and managing your tax bill should be a part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation and a team approach with your tax advisor, you may be able to manage the impact of taxes on your financial effort.


Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy, created with your estate attorney, can spell out your healthcare directives, designate someone to manage your financial affairs and ensure your directives are carried out, even if you are unable to do so yourself.

RICP conferred by The American College.

Coulee Bank provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. Coulee Bank is not a current client of LPL for advisory services.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Coulee Bank or Integrated Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Integrated Wealth Management, and may also be employees of Coulee Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Coulee Bank or Integrated Wealth Management. Securities and insurance offered through LPL or its affiliates are:

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.