Emma Goetz is a CERTIFIED FINANCIAL PLANNER™ and Financial Advisor at Retirement & Financial Strategies. She specializes in helping clients navigate the path to financial freedom through personalized financial planning and disciplined investment strategy — bringing clarity to complex decisions at every stage of life.
Emma is a goal-driven advisor who believes in setting a clear course and making thoughtful adjustments to stay on track. Trust is central to her practice, and she is committed to earning and maintaining it in every client relationship. Working within a family business, she embraces the power of a team-based approach — one that ensures each client benefits from diverse perspectives and a collaborative planning process.
A graduate of Western Kentucky University, Emma earned her B.S. in Finance with a concentration in Personal Financial Planning — graduating summa cum laude — before completing her CERTIFIED FINANCIAL PLANNER™ certification in 2023. She is an Owensboro native and proud graduate of Owensboro Catholic High School.
Outside of the office, Emma is a passionate football fan with a competitive streak that extends to managing her fantasy football team. She also enjoys fitness, walking, and spending quality time with family and friends. She is happily engaged and looks forward to the next chapter ahead.