“Now YOU can learn about retirement planning in plain English. Planning for retirement can be confusing. I cut through all the industry jargon so YOU can learn how to achieve your retirement goals.”

Working With Chris

If you are looking for a financial advisor, then there is a possibility we could be a good fit. I have included some information below that describes my current client base and what I do for them. After reading this, if you think we would be a good fit, then feel free to contact me by phone or email for a no obligation initial interview.

I have been very blessed to have some of the best clients an advisor could ever have. While each one of my clients is unique, with their own specific needs, they do have many things in common with one another.

Most of them are either retired, or they will be retiring within 10 years. Most of my clients are fairly conservative investors. They place a high value on the safety of their investments. Since they are retired, or soon to be retired, they typically place less emphasis on taking high risk to maximize their returns. They understand that high risk means their investments can be very volatile.

When planning for retirement my clients need to know how to make their savings last, potentially for 30 years. None of my clients want to restrict their spending to such a degree in retirement that they can’t enjoy themselves. But at the same time they know they can’t live irresponsibly. I help them find the middle road between the two extremes, so they can know that their money will last without having to live too frugally.  

To help my clients achieve their goals I use a variety of products:

– Managed Money
– Annuities
– Medicare Supplements
– Medicare Advantage Plans
– Life Insurance

There are typically 3 ways advisors get paid in this industry. 

1. The first is by commission only. This is typically how an insurance agent gets paid. If the insurance agent sells a product, the insurance carrier will pay him a commission for the sale.

2. The second is by fee-only. This type of advisor gets paid to put together financial plans. This type of advisor also can charge a fee, such as a percentage of assets under management, for your investments that he manages.

3. The third way is how I am compensated: Fee-Based. Fee-based is a blend between the first two options. When I help you manage your money I typically charge a fee based on percentage of assets under management. I also charge a fee to put together financial plans in some situations, such as long-term care crisis cases.

As for commissions… The reason I also get some compensation through commission based products is because some products are only available through that method, such as annuities, Medicare Supplements, and life insurance. When I am helping my clients to make sure their money lasts for at least 30 years in retirement, these tools are essential to putting the best plan together for them. Medicare Supplements help control their health expenses, which in turn protects their retirement nest egg.

Annuities (when sold properly and responsibly) offer fantastic guarantees as far as lifetime income goes. When annuities are sold irresponsibly by deceitful (or incompetent) advisors, they can be absolutely horrible financial products for retirees.

And of course life insurance is still the best way to pass assets tax free to the next generation. An important issue that retirees are concerned about.

If you think we might be a good fit, then you need to understand the process we take people through on the way to becoming clients.

  • Step 1: Meet in person, or over phone or teleconference, and discuss your needs, goals, and objectives. At this initial, no obligation meeting I learn about your current situation and financial goals. We’ll discover what challenges you are facing in reaching those goals.
  • Step 2: Using the goals and financial information from our first meeting, I analyze and evaluate your current financial situation. Once I know where you currently stand and what is most important to you, I can begin putting a plan together that is uniquely designed for you.
  • Step 3: In this step I deliver the financial plan that has been uniquely designed for you. It is a written out plan that is designed to meet your objectives and takes into consideration the challenges that you face. The plan is written in plain English and I speak plain English while going over it with you.
  • Step 4: I help you implement the plan. I am beside you step by step the whole way. If the plan involves other professionals, like an elder law attorney, I am there at the attorney’s office with you. If you need help tweaking your portfolio, I will be with you. If you have any questions about the plan a couple weeks (or months, years) later, I am there to answer your questions through the process.

What I Do For Clients

I believe that clients and their financial advisors should get along and be able to work together as a team. When planning for something as important and as long as retirement, it takes time and patience. It also takes trust.

I have done the best I can at structuring my work and services in a manner that gives clients personal attention and financial management support. I know there is always room for improvement, and I strive to get better at what I do each day. My promise is to take the hours of research I do each year and leverage it to benefit those who place their trust with me and my firm.

Could We Work Together?

After reading above, if you’d like to have a conversation about working together I’d be happy to invest an hour of my time getting to know you better, your financial goals, and help determine if there’s value I can provide in your life.  

Send me an email or call our office and we can set up an initial appointment over phone, teleconference, or in person.

Thanks for checking out this page and learning more about who I serve, and how we work together.

Best of luck!



Email: [email protected]

Phone: 731-925-8351

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© 2014 Retirement Planning Made Easy. All rights reserved. Privacy Policy | Disclosures • 95 Tennessee St. • Savannah, TN 38372 • Ph 731-925-8351 • Fax 731-925-8352

Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor.  Tri-State Financial Group, and Tri-State Insurance & Financial Services, and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors. Chris Hammond is insurance licensed in TN.