I first heard about Golden Reserve ("GR") on the radio, while driving an hour each way from our…read moreDayton-area home to my former job in Cincinnati. My wife and I had been clients of Fidelity for DECADES, and we trusted them to grow/manage our retirement savings. Fidelity had recommended that we transfer the bulk of our money to an actively managed account, mostly to reduce the risk of losses during market downturns. For this service, we paid a fee of 1% of assets under management (AUM). That fee seemed "normal", since most fees seem to run 1 - 1.5% AUM. But then, I heard GR's radio shows & started to think.... While Fidelity did a good job of managing/growing our savings, I eventually realized (after I retired) that there was still something lacking. As silly as it might sound, saving money is "easy." Throw money into a S&P Index fund....keep adding money....more money....more money...shake/stir/WAIT. Time value of money, eh wot? In our case, our money wasn't going into just a S&P 500 Index Fund. It was going into a variety of funds, with very low loads. Over the last 2-3 years, we also paid a 1% AUM fee. As a result, our money grew. GREAT, until both my wife & I retired. OK, now what? You've got all this money built up over the decades, with a goal of providing funds for a good retirement. After listening to GR, I learned to consider TAXES and ESTATES. Saving money is easy. Withdrawing money is also easy. You just make withdrawals whenever you want, out of any of your random accounts. Right? NOPE. While it's "easy" to just pull whatever funds you want out of whatever account, that might result in you getting smacked with unnecessary taxes. This brings me to WHY my wife & I dropped Fidelity (after decades) and went with GR. GR offers a holistic "package" of services. Their approach is not so much focused on saving money before you retire, but helping you wisely SPEND your money without throwing money away to Uncle Sam after you retire. GR not only offers financial services (helping to set up accounts through Schwab), but they look at your individual tax burden. How much can/should you withdraw from which of your accounts (401K, IRA, Roth IRA,....), given your Social Security or Pension incomes. When should you take that money out? In addition to their CPA-driven advice, they also offer multiple other GREAT services. Their associates do your taxes every year. No extra cost. Their associated law firm offers you the ability to create or update your Will, Living Will, Healthcare Power of Attorney (POA), Financial POA, ......and Irrevocable TRUSTS. A properly set up Trust can help you preserve your home & some other assets so they're not forcibly liquidated if you go into a nursing home. Trusts are good if you're fretting about going into a nursing home in the random future. Nursing homes cost $$$$......$7-$12K/month here in Ohio. So you've got $500-$900K saved for retirement. Take that money, divide it by $12K/month.....you can see how your money might be quickly gobbled up by the nursing home. A properly set up Trust can help you preserve your home & some other assets so they're not forcibly liquidated. NOTE: I'm not a lawyer (just a retired engineer & ICU RN) ...all my vague mumbling words are merely from the perspective of a happy GR client. Your mileage may vary....void where prohibited by law...hug your kids, pet your critters. YES, GR bribes me. During our annual visits/reviews with Ed Wright at GR, my wife & I am offered free bottles of water or soft drinks. GR also offers occasional "thank you" events for its clients. I recently got to see the latest Tom Cruise Mission Impossible movie, with free soft drinks & popcorn. Goodie for me! In any case, I'd encourage you to at least consider GR as you approach (or are "in") retirement. Great folks. Excellent communication. No games.

I left Edward Jones after hearing Golden Reserve commercials. My experience with Golden Reserve…read moreseemed ok at the beginning. Then I noticed they love to put immediately put my money into annuities, saying making it "safe from the market". Just don't ask what commission they got. It influences their choices, even though they deny that. Do your taxes? Yeah, if you upload all your paperwork to some firm you've never heard of, and with whom you'll never meet. Make a trust? Yeah, if you don't mind different attorneys or clerks sitting in on zoom conversations each time you try to understand your options. Good luck trying to proactively plan how you will pull money out once you retire. I was told to wait until the day I didn't draw a paycheck, and trust them, they'd figure it out, depending on the moment. Those commercials and TV advertisements promise the world, don't they? For me they did not deliver. I see lots of gushing reviews for them these days.... very surprising. Sound like solicited smiley faces to me....

Five star experience here with Alyssa Miller at Feldmeyer Financial. Professional, highly…read moreproductive appointment with immediate follow up outlining recommended next steps. Customer service is top-notch, as is the knowledge about the ever important step of setting up a trust for the financial future of our family. Affordable and highly recommended!

Have been with Greg and his staff at State Farm for 35 years, and they have been nothing short of…read morefantastic in all the time I have known them. I would highly recommend them to anyone especially compared to these new insurance companies you can't work face to face with when you have a problem! I have seen too many friends with that type of insurance that leaves them hanging when their in need, oh but I saved a few dollars, did you really not in the long run. So thanks Greg for being a great agent all these years whenever I needed you and when I didn't! Jackie Isaacs

David has always been a great help in setting up my retirement and managing my stocks. I would…read morehighly recommend to everyone.

One of their associates set me up in a SEP which I did not qualify for. Shortly after, my husband…read morerealized this error and called it to their attention - and this was in 2015. They STILL have not fixed the situation after phone calls and emails. It's complicated. They don't have a clue what they are doing, and their fees are outrageous. They prey on teachers (like I was) who may not be aware of what they are getting into. Fees were never disclosed verbally, and you need to read the very fine print. They invest your money in their own funds insured by their own company. We pulled out everything else we had invested with them and switched to Schwab - significantly lower fees and they actually know what they are doing.

Michael Kincaid did a wonderful job helping me correct errors to my 2016 federal and state returns…read morethat a different CPA prepared incorrectly. Michael also took the time to talk to me about next year's returns, and some of the ways that I could prepare for my 2017 taxes. He explained the "why" behind each number, caught glaring errors that the other CPA missed, and put me at ease that my returns are being handled professionally and accurately. I would highly recommend them to anyone seeking a qualified CPA in the Dayton area.

Ryan and his team were amazing to work with.. very knowledgable and made sure I got the best deal…read morewithout cutting corners. The experience was a breath of fresh air!

Allen and team do a great job providing the proper insurance I am needing and support with it any…read moretime it is ever needed. Chad (6 year customer)

My insurance agent at Miller Insurance is always very quick to help and informative. I saved money…read moreand got better coverage last year when I switched to Miller Insurance --- and got better service with a local insurance expert rather than a call center.