Business Details
Your Trusted Partner for Retirement Planning Solutions
PGI Financial Services is dedicated to empowering individuals and families to achieve financial confidence through strategic retirement planning. With decades of combined experience, our team of certified professionals specializes in creating personalized strategies focused on asset preservation, growth, and lifetime income optimization. We prioritize a fiduciary responsibility to our clients, leveraging advanced designations such as Chartered Financial Consultant (ChFC) and Enrolled Agent (EA) to deliver tax-efficient solutions.Our approach integrates comprehensive planning for healthcare, estate, and legacy considerations, ensuring clients are prepared for both expected and unforeseen challenges. Through educational workshops, transparent fee structures, and ongoing client support, we aim to build long-term relationships rooted in trust and accountability. Our commitment to community values and military service heritage further distinguishes our practice in delivering holistic financial guidance.
Services
Asset Preservation
Income Optimization
Legacy Planning
Tax Minimization
Federal Employee Retirement
Long-Term Care
IRA Rollovers
Wealth Management
Highlights and features
- We offer fiduciary-level accountability as Series 65 licensed advisors.
- Our team holds advanced designations including ChFC, CLU, and EA.
- We implement a proprietary Bucket Strategy for risk-managed asset allocation.
- We provide tax-efficient planning as federally certified Enrolled Agents.
- We maintain a spotless compliance record with zero client complaints.
Associations and certifications
- Registered Investment Adviser
Services
Asset Preservation Strategies
Our asset preservation strategies focus on safeguarding retirement savings through conservative investment approaches and tax-efficient planning. We employ fixed index annuities and diversified portfolios to mitigate market risks while maintaining growth potential. This service helps clients protect their lifetime savings from market volatility and unexpected healthcare costs.
Lifetime Income Planning
We create guaranteed lifetime income streams using annuities and structured withdrawal plans tailored to individual lifestyle needs. Our approach ensures financial security throughout retirement by addressing sequence-of-returns risks and market fluctuations. This service helps clients maintain consistent cash flow without depleting principal assets.
Legacy Planning
Our legacy planning services focus on efficient wealth transfer through beneficiary strategies and trust creation. We help clients minimize estate taxes while ensuring their financial wishes are fulfilled. This service incorporates qualified charitable distributions and IRA legacy planning to protect assets for future generations.
Tax Minimization Strategies
As federally certified Enrolled Agents, we develop tax-efficient retirement plans including Roth conversions and RMD management. Our strategies address future tax liabilities from retirement accounts while optimizing Social Security benefits. This service helps clients retain more of their wealth through proactive tax planning.
Federal Employee Retirement Blueprint
We specialize in federal employee retirement planning, integrating pension, Social Security, and Thrift Savings Plan strategies. Our comprehensive approach addresses unique government benefits while creating sustainable income streams. This service ensures federal employees maximize their retirement benefits through coordinated planning.
People
Paul C. MacDonald
Owner, CEO & Financial Advisor
Retired U.S. Naval officer with 30+ years in investment industry. Holds ChFC, CLU, and EA designations. Specializes in retirement income strategies and tax-efficient planning while maintaining a fiduciary responsibility to clients.
Carissa Shivers
Lead Financial Advisor
Former Edward Jones advisor with expertise in asset preservation and lifetime income strategies. Focuses on helping clients achieve financial confidence through personalized retirement planning solutions tailored to individual needs and goals.
Cheyanne Stankiewicz
Marketing Director
Manages client education initiatives and coordinates community outreach programs. Supports financial literacy through workshop organization and development of educational materials for retirement planning seminars.
Diane Hendricks
Office Manager
Coordinates daily operations and client services. Ensures smooth administrative functions while maintaining organizational systems that support the firm's commitment to personalized client care and service excellence.
Tim Altman
Business Processor
Manages documentation and procedural workflows. Implements efficient processes for client onboarding and service delivery while maintaining compliance standards across all financial advisory operations.
Questions
How do you help clients prevent outliving their retirement savings?
We employ fixed index annuities and income distribution strategies to create guaranteed lifetime income streams tailored to individual needs and risk tolerance levels.
What makes your investment approach different from other advisors?
Our proprietary Bucket Strategy segments assets into growth, liquidity, and protection categories while maintaining a fiduciary responsibility to act in clients' best interests.
How do you address potential market crashes in retirement planning?
We utilize loss mitigation techniques including fixed index annuities and conservative portfolios to protect principal while maintaining growth opportunities during volatile market conditions.
What tax planning services do you offer for retirement accounts?
As Enrolled Agents, we implement Roth conversions, RMD strategies, and Social Security timing optimization to minimize lifetime tax liabilities from retirement accounts.
How do you assist with long-term care planning?
We develop protection strategies using traditional policies, asset-based coverage, and annuities with built-in care benefits to safeguard savings from unexpected healthcare costs.
What ongoing support do clients receive after initial planning?
Clients receive quarterly to annual reviews, personalized portfolio binders, market updates, and exclusive educational events to maintain evolving retirement strategies.
