Retirement Done for You,
On Your Terms
A Process Designed to Maximize Confidence and Minimize Stress That We've Spent Three Generations Refining
The Josten Financial team helped us turn our dream retirement into a reality.
-Mike R.
Josten Financial provided us tremendous clarity and confidence through a personalized, easily attainable retirement plan.
-Luke K.
Their guidance has been invaluable in helping my wife and I achieve our financial goals
-Bill P.
FAQs
Can you work with clients remotely across the US?
- Yes. We currently work with clients across 20 states and provide the same level of service regardless of location.
How do you get paid?
- We are paid on an AUM (Assets Under Management) Basis where we charge a percentage fee on the investments being managed.
What types of clients do you typically work with?
- We typically work with individuals and couples who have $1M+ saved and are within 5 years of retirement or already retired. That’s where our process provides the most value—helping you transition from saving to spending with confidence.
How often will we meet?
- At a minimum, we meet at least twice per year for formal planning reviews. Some years may be much more frequent as life events happen and important decisions need to be made.
Is this a one-time plan or an ongoing relationship?
- This is an ongoing relationship. Retirement isn’t static—and your plan shouldn’t be either. We continuously monitor and adjust your strategy over time so it stays aligned with your goals.
Will I be able to reach you when I need help?
- Yes. Our clients highlight our responsiveness as one of our greatest strengths. You can always expect a prompt response and can schedule a meeting at any point during the year.
I have complete confidence in their ability to navigate me through retirement.
-Angie M.
We have complete confidence that our financial plan is built to support our exact lifestyle
-Stephanie H.
I have complete confidence that my financial future is in capable hands.
-Kevin S.
We’re a great fit if:
- You’ve built significant savings ($1M+) and are now focused on how to turn it into income
- You want clarity and confidence around what your retirement looks like
- You’re not just asking “Do I have enough?”—but “How do I use this the right way?”
- You value a personalized, high-touch approach with direct access and ongoing guidance
- You want a plan that helps protect against market uncertainty and tax changes
- You’re looking for a long-term relationship, not just a one-time plan
We’re probably not the right fit if:
- You’re primarily focused on beating the market or chasing higher returns
- You’re looking for one-time advice without ongoing management
- You’re early in your career and still focused on accumulating savings
- You prefer a fully DIY approach and don’t want active guidance
- You’re not open to having a fee billed through your investments
Josten Financial worked hard to earn my business, and they work hard to keep it. Service is very important to me and they excel at this.
-Shanna H.
We would personally recommend Josten Financial to any of our family, friends, and employees, and have done exactly that.
-Scott E.
They consistently go above and beyond to ensure we understand our options, answer our questions, and feel confident in our decisions.
-Theresa O.
Our 4-Step Retirement Process
Step 1: Define What Retirement Means to You
We guide you through defining what matters most, your lifestyle, priorities, and what your ideal retirement actually looks like.
So you’re not just retiring… you’re living the life you spent decades working toward.
Step 2: Turn Your Savings into a Strategy Designed for Income
We streamline your investments, income, and taxes into one coordinated strategy.
So you can spend confidently without having to second guess every big purchase.
Step 3: Build a Investment Plan That Supports Your Income
We manage and adjust your investments so they support your life.
To help give you confidence during the roughest market conditions.
Step 4: Minimize Taxes Over Time
We carefully decide where your income comes from each year and in what order, coordinating it with strategies designed to reduce taxes over time.
So you keep more of your money working for your retirement.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services, LLC nor any of its representatives may give legal or tax advice.
The views stated in this letter are not necessarily the opinion of Cetera Wealth Services, LLC, and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results.