Your Future,
Thoughtfully
Planned.

Retirement & Financial Strategies brings over 25 years of experience to every client relationship — helping families accumulate, transition, and thrive through every stage of their financial life.

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Three CFP® Professionals On One Team
CFP® CFS® CRPC®
25+
Years serving families in Owensboro and beyond
3×
CERTIFIED FINANCIAL PLANNER™ professionals — one of the most rigorous credentials in the industry
Jerry Goetz Emma Goetz Evan Goetz
Meet the Advisor Team
Family-led. Locally rooted. Forward-focused.
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Locally Owned & Operated

Rooted in Owensboro since our founding — a business built on lasting relationships, not transactions.

A Team-Based Approach

Every client benefits from the combined experience of our full advisor team — not just a single point of contact.

Comprehensive Planning

From investment management to retirement income, risk protection, and estate considerations — all under one roof.

Jerry Goetz, Founder
3

CERTIFIED FINANCIAL PLANNER™ professionals on one dedicated team

Our Story

A Family Legacy Built on Trust

Retirement & Financial Strategies was founded by Jerry Goetz CFP®, CFS®, CRPC® with a clear purpose: to give clients in Owensboro and beyond a highly focused, personal resource for financial planning and investment management throughout their lifetime.

Today, the firm has grown into a family practice — with Jerry's daughter Emma and son Evan both earning their CFP® certifications and joining the advisor team. Together, they bring fresh perspectives and deep expertise to a practice built on decades of trust.

We serve clients at every stage — from accumulation through retirement — with a team-based approach that ensures every client receives the attention and continuity they deserve.

Our Full Story
What We Do

Guidance for Every Stage

We work with clients through the full arc of their financial lives — wherever you are, we have the expertise to meet you there.

01

Accumulation & Growth

Building wealth during your working years through disciplined investment management, 401(k) strategy, and long-term financial planning designed to maximize your potential.

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02

Retirement Planning

Navigating the transition from work to retirement — Social Security timing, pension decisions, income replacement strategy, and preparing your portfolio for the years ahead.

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03

Retirement Income

Making your money last. We help clients manage withdrawals, minimize tax exposure, and protect against longevity risk so your retirement income is reliable and sustainable.

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04

Investment Management

Disciplined, personalized portfolio management aligned to your goals and risk tolerance — with ongoing monitoring and rebalancing as your life changes.

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05

Risk & Protection

Life insurance analysis, long-term care planning, and strategies to protect your family against the unexpected — because a sound financial plan accounts for every scenario.

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06

Legacy & Estate

Thoughtful planning for the eventual transfer of your assets — ensuring your wishes are honored and your legacy is preserved for the people and causes that matter to you.

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Why It Matters

The CFP® Designation Is Not Common

The CERTIFIED FINANCIAL PLANNER™ certification is among the most rigorous in the financial services industry. Candidates must complete years of qualifying education, pass a comprehensive board exam, accumulate thousands of hours of professional experience, and commit to ongoing ethical standards.

Many financial advisors never earn it. At Retirement & Financial Strategies, three members of our advisor team hold the CFP® — meaning every client relationship is backed by the industry's highest standard of planning expertise.

Meet the Team
3
CFP® certified advisors on our team
25+
Years of combined financial planning experience
~7%
Of financial advisors nationally hold the CFP® designation
∞
Commitment to ongoing education and ethical practice
The People Behind Your Plan

Our Advisor Team

A family-led practice with the depth of a full advisory firm.

Advisor Team
Jerry Goetz

Jerry Goetz

President & Founder

CFP®, CFS®, CRPC® — Over 25 years guiding clients through the full arc of their financial lives.

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Emma Goetz

Emma Goetz

Financial Advisor

CFP® — Focused on personalized financial planning and helping clients build clarity at every stage of life.

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Evan Goetz

Evan Goetz

Financial Advisor

CFP® — Committed to building meaningful client relationships and guiding families toward their financial goals.

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Meet the Full Team
Take the First Step

Let's Start With a Conversation

We welcome prospective clients and would be happy to schedule an introduction meeting to see if we're the right fit for your goals.

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