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Electric Cooperative Retirement Planning

Are you interested in turning your NRECA 401k and R&S Pension into a plan that can provide you lifetime income and can change your family's legacy? We can help.


Who we work with 

Schedule your retirement consultation today. 

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Your NRECA 401k is not a plan.

Your NRECA R&S Pension is not a plan.

Your Social Security is not a plan

Those are only pieces to the retirement planning puzzle.


How much money do you need to retire?


Are you a current electric cooperative employee planning for retirement? Are you a former electric cooperative employee that has already retired? Are you trying to find answers to retirement questions that you never got while attending retirement seminars at your co-op? I've been there and done that too. Need help deciding whether you should take the lump sum or annuity option from your R&S Plan? You're in the right place. I can help you!


I worked at an electric cooperative for 11 years. I know and respect what you do and I know your benefits and retirement plan options very well. I can help you with your retirement planning with an insight and perspective that most advisors just don't have. -Brian Coleman-Owner & Advisor at 80/20 Financial Services

80/20 Financial Services is an Independent Registered Investment Advisor (RIA) registered in the state of Missouri (CRD# 300772) with the ability to work with clients in any state.


80/20 Financial Services is the legal name of our Registered Investment Advisory Firm (RIA). Electric Cooperative Retirement Planning is what we do. We are a small boutique type firm that only works with current and former electric cooperative employees and their families. We only work with approximately 50 households at any given time. This allows us to know our clients on a more intimate level. Unlike the big financial advisory firms, you're more than just a number to us.

There are different types of "financial advisors". We recommend you work with an Registered Investment Advisor (RIA). It doesn't have to be us. Read more about the different types of advisors here.

Our specialty is retirement planning for Electric Cooperative Employees planning for retirement or already retired.

*We will also offer pre-retirement planning and we will work with the families of cooperative employees.

Our mission is to make sure you have a plan for retirement. 

Retirement from your cooperative is not so much about age or years of service as it is about do you currently have enough money to sustain your current lifestyle in retirement? Do you have a plan for that?

The age of 62 isn’t some magical age. I’ve helped co-op employees retire as early as age 53. I’ve helped co-op employees retire at 62 that had enough saved at 55 to retire but they didn’t know that. 

If you want to find out the dollar amount you need to retire and stay retired I can help you calculate that number. It’s a much less complicated conversation than many people realize. 

Once you have that number then you have something to strive for and a goal to hit. Then it’s much easier to formulate your exit plan. 

If you want help calculating that number I do that for free with zero obligation on your part.

What's your plan for a 20-30 year retirement?

  • What is your plan to invest your retirement money so that inflation doesn't cut your purchasing power in half during a 20-30 year retirement?
  • What is your plan to make sure you don't spend too much or too little in retirement?
  • What is your plan to pay as little income tax as legally possible in retirement?
  • What is your plan to take care of the people you love after you're gone?
  • What is your plan for claiming Social Security?

Our planning process not only benefits you while you're alive, it benefits the people you care about after you're gone.

How can we help you?

Schedule your retirement consultation today.