Who We Are

About Our Firm

A locally owned, family-led financial planning practice built on trust, relationships, and decades of commitment to the clients we serve.

Our Story

Founded on Purpose. Built for Generations.

Retirement & Financial Strategies was founded by Jerry Goetz CFP®, CFS®, CRPC® with a focused mission: to create a highly personal, locally rooted resource for financial planning and investment management — serving clients not just through a single decision, but throughout their financial lives.

Jerry built the firm on the belief that meaningful financial guidance requires more than credentials. It requires relationships — the kind that develop over years of shared history, honest conversation, and genuine accountability to the people across the table.

Today, the practice has grown into a true family business. Jerry's daughter Emma and son Evan have each earned the CERTIFIED FINANCIAL PLANNER™ designation and joined the firm's advisor team — bringing new energy, current expertise, and a long-term commitment to the clients and community their father worked decades to serve.

Together, the team at RFS is committed to one thing: being a financial partner that clients can count on at every stage of their lives.

Jerry Goetz, Founder
Serving Owensboro since 1999
What We Stand For

Our Core Principles

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Relationships First

We build deep, lasting relationships with clients — not transaction-based interactions. Many of our clients have been with us for decades.

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Precision Planning

Every recommendation is grounded in your specific situation, not a template. We take the time to understand your goals before we ever suggest a strategy.

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Local Roots

We live and work in the same community as our clients. That accountability is built into everything we do — and it matters.

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Credentialed Expertise

Three CERTIFIED FINANCIAL PLANNER™ professionals. One firm. The highest credential in financial planning — held by all three of our advisors.

A Family Practice

The Next Generation Is Already Here

What makes Retirement & Financial Strategies different is not just what we do — it's who we are. This is a family business in the truest sense, with Jerry, Emma, and Evan Goetz each bringing their own expertise, perspective, and commitment to the same practice.

For clients, that means continuity. The relationships built with this firm won't be disrupted by a merger, an acquisition, or a key advisor retiring with no succession plan. The next generation is already at work.

Meet the Team
Jerry Goetz Emma Goetz Evan Goetz
Our Affiliation

Private Advisor Group

Investment advice is offered through Private Advisor Group, a registered investment advisor. Retirement & Financial Strategies and Private Advisor Group are separate entities. This affiliation provides our clients with the regulatory framework and oversight of a registered investment advisor, while preserving the personalized, relationship-first approach that defines our practice.

We're Accepting New Clients

Let's Start With a Conversation

We welcome prospective clients and are happy to set up an introduction meeting to see if we're the right fit for your situation.

Schedule a Meeting