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We believe you deserve to have a retirement income strategy that truly protects what is most important to you and your family.

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Preparing Your Financial Roadmap: What to Consider

As we work on your roadmap, we’ll ask you to consider the following:
  • Where do you see yourself in the next 10-30 years?
  • Your life expectancy. With good healthcare and a healthy lifestyle, you should plan to live a long
  • What you can contribute to your plan now to cover current and future expenses.
  • Be prepared with a list of all your assets, including current accounts, retirement plans, and home equity.
  • The cost to maintain your current and future lifestyle. 
  • Are your current assets adequate to fund your future lifestyle?
  • When do you expect to start relying on your assets to cover living expenses?
  • What is your level of risk tolerance? Are you at the right risk level based on your time to retirement and the economic outlook?
  • What other income will you have in retirement? Will you have pension payments, dividends, Social Security, or other forms of income?
  • Do you have an estate plan? This is not only important to ensure your assets are distributed per your wishes, but it can reduce taxes and ensure your health and care needs are met.
  • Do you have an emergency fund set aside for unforeseen events? Consider what you would need if you have a home emergency, long illness or injury, or job loss.

As we talk through the answers to these questions, a view of your current fiscal health will emerge, as will a clear vision of your goals and the steps necessary to get you there. Remember that a financial roadmap is a living thing. Like your route on a trip, situations can emerge, requiring slight adjustments. We recommend reviewing your roadmap at least annually to ensure we consider any new developments and plan accordingly.

Schedule a meeting with one of our advisors today to get started working on your retirement roadmap. Our team of qualified financial advisors is here to help our clients in West Michigan and surrounding areas achieve the retirement of their dreams.

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CLICK HERE to schedule a meeting with a member of our team…
or give us a call at 616.622.4654.

Jacobs Retirement Roadmap™

  • Discover

    Imagine what your ideal retirement looks like, and explore what’s important to you.

  • Discuss

    Examine your current financial situation, and determine your retirement income needs.

  • Implement

    Develop a custom strategy so that you can take steps toward meeting your retirement goals.

Many of our clients in West Michigan and surrounding areas ask us the first step in financial planning. The first step in personal financial planning is preparing your financial roadmap. At Jacobs Financial Services, we approach retirement planning with a three-step methodology:

  1. Discover – Let yourself imagine your ideal retirement.
  2. Discuss – Examine your current finances and future needs.
  3. Implement – Create a customized plan for getting you the retirement of your dreams.

Since you wouldn’t consider setting off on a long trip without a map, GPS, or itinerary, it stands to reason that you should have some direction for something as critical as your financial future.

Meet the Team

Tom Jacobs

Tom is committed to helping you achieve the retirement you deserve through a personal approach focused on getting to know your unique goals, situation and attitudes about risk.

Tom founded Jacobs Financial Services in 2008 with the objective of helping clients eliminate as much confusion as possible during the retirement income planning process. He believes everyone should be treated with honesty and integrity and strives to create strategies that give his clients confidence their retirement savings won’t run out. 

With more than 25 years of experience in the insurance and financial services industry, Tom is diligent about helping customers pursue their long-term financial goals through insurance products. He is licensed to sell insurance products in CO, FL, NC, GA, MN, NH, TX, IN, MI, NM and AZ.

Tom was raised in West Michigan, graduated from Ferris State University in 1991 and has lived in Byron Center for more the 20 years. He is the proud father of two amazing adult daughters, Elizabeth and Molly. He enjoys spending time with his wife, Shelly, his grandkids, and fishing on Lake Michigan.

MIKE BOUMA

Insurance Producer

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ELISE MONROE

Insurance Producer

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RAY LUTKE

Insurance Producer

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PHIL PAULSON

Insurance Producer

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AMY LUTKE

Insurance Producer

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AMBER UNDERWOOD

Chief Operations Officer

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AUBREY HANSEN

New Business Director

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CONNOR DUIVEN

Client Relations Manager

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LYNZIE GOTSHALL

Events & Marketing Assistant

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LISA MCCAFFREY

Office Manager

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KATY PAYNE

Client Relations Support

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MARSHA WALSH

Director of Business Development

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ANGELA SMITH

Director of First Impressions

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Get Your Complimentary Copy of Tom Jacobs’ Book

Learn how to dominate your post-work years by reading the powerful, personal story of Tom Jacobs’ journey to creating income strategies designed to address the retirement crisis that exists in America. Request Toms book, “Retirement Domination: Play to Win With Your Retirement,” and it will be our pleasure to rush you a complimentary copy!

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Mike Bouma

Insurance Producer

Mike is passionate about using his two-plus decades of insurance and financial services experience to help you confidently pursue the simple, comfortable retirement you envision.

Mike is a licensed insurance producer in Michigan and earned his bachelor’s degree in business administration from Eastern Michigan University.

Mike and his wife, Beth, have been married for nearly 30 years and are the proud parents of four fantastic children. When he isn’t helping clients, Mike often can be spotted in area stands cheering on his children’s sports teams.

Elise Monroe

Insurance Producer

Elise is devoted to helping you confidently navigate the retirement income planning process by developing simple, impactful strategies focused on your unique financial goals and dreams.

Elise is licensed to sell life insurance in Michigan and has more than two decades of experience in sales and marketing. She earned her bachelor’s degree in English and philosophy from Michigan State University.

During her free time, Elise loves to spend time outdoors. She enjoys hiking, camping, boating, grilling and walking in the park.

Ray Lutke

Insurance Producer

Ray’s mission is to help you find financial strategies and solutions that leave you confident you won’t outlive your income, all while emphasizing risk management and tax efficiencies.

Ray is a licensed insurance producer in the state of Michigan. He earned his bachelor’s degree from Hope College.

Ray and his wife, Linda, have two adult children and four grandchildren. On weekends and during his free time, Ray enjoys riding horses and hunting.

Phil Paulson

Insurance Producer

Phil is passionate about putting client’s needs first and helping them navigate every step of the way through their retirement journey.

Phil is a graduate of the University of North Dakota with a bachelor’s degree in Management and Marketing. He holds his Life Insurance, Series 6 and 63 licenses. Phil is a Retirement Income Certified Professional (RICP), a designation obtained through the American College. Outside the office, Phil spends his time golfing, traveling, and watching Minnesota sports.

Amy Lutke

Insurance Producer

Amy meets with clients for policy deliveries and annual reviews. Amy is the daughter of Ray Lutke and has extensive experience within the financial industry and enjoys getting to know clients and assisting with safe and secure retirement strategies to provide lifetime income.

Amy is a proud graduate of Grand Valley State University with a degree in Legal Studies. As a true country girl at heart, she loves to float on a pontoon boat as well as cruise the back roads. Although her favorite is sitting around the dinner table telling stories with family.

Amber Underwood

Chief Operations Officer

Capitalizing on her hospitality industry experience, Amber plans, organizes and executes all of Jacobs Financial Services’ dinner events, client events and marketing campaigns.

Amber earned her bachelor’s degree in hospitality and tourism management from Grand Valley State University. She has more than seven years of management experience in the hospitality industry, including events, restaurants and retail.

Amber considers herself a blessed fur mom of two cats and a dachshund, and she loves camping, traveling, gravel biking and cooking.

Aubrey Hansen

New Business Director

Caring for clients as if they were her own family, Aubrey manages existing relations and assists new customers as they begin their journey with Jacobs Financial Services.

Aubrey has more than eight years of experience in sales and customer service in the insurance and annuity industry. She also is licensed to sell life insurance in Michigan.

When she isn’t taking care of clients’ needs, Aubrey enjoys singing, playing guitar, knitting and romping around her yard with her Bernedoodle, Lincoln.

Connor Duiven

Client Relations Manager

Connor Duiven is the Client Relations Manager of Jacobs Financial Services LLC. He is passionate about providing great service to new and existing clients in all their retirement needs. He holds a bachelor’s degree in Business Administration and Music from Aquinas College.

Connor is also licensed in Michigan as a Life, Accident, and Health Producer. Connor and his wife Brandy share their house with their two rambunctious dogs. Outside of the office, he enjoys hiking, time with family, and writing music.

Lynzie Gotshall

Events and Marketing Assistant

 Lynzie is the Director of First Impressions/Events and Marketing Assistant at Jacobs Financial Services LLC. She is responsible for providing administrative support, assisting with our marketing and events and is your first point of contact with Jacobs Financial Services. Her attention to detail and energy provides an exceptional customer experience.

Lynzie has over 7 years of sales/management experience in the hospitality industry. She graduated from Grand Valley State University with a bachelor’s degree in Marketing as well as Hospitality & Tourism Management. Lynzie enjoys camping, hiking, golfing, and any adventure with her Golden Retriever, Tucker.

Lisa McCaffrey

Office Manager

 

Lisa McCaffrey is the Office Manager for Jacobs Financial Services. She ensures that the team has everything they need to help their clients meet their retirement goals. Lisa is a graduate of Hope College and Michigan State University with degrees in Social Work. She has over 15 years of experience as an office manager in a financial setting. 

Lisa has been married to her husband Kevin for over 20 years. She loves the outdoors and enjoys bike riding, boating, trips to the beach, and playing music. She is also a member of the Grand Rapids Symphonic Band.

Katy Payne

Client Relations Support

 

Katy Payne is the Client Relations Support for Jacobs Financial Services LLC. She is responsible for providing excellent customer service to new and existing clients as they start and continue their retirement journey.

She holds a bachelor’s degree from Grand Valley State University in Psychology and Sociology. She has over 7 years of Customer Service and Data Management experience in the Non-Profit sector.

Katy enjoys horseback riding, reading, cooking, and spending time by the water.

Marsha Walsh

Director of Business Development

 

Marsha has over 25 years of experience in Sales/Marketing and Management in both Media and Retail, where her clients have become more like family or friends to her.

Marsha is married to her husband Dave, and they have 2 adopted cats named Oberon (Obie) and Desmond (Desi). They live at River House downtown but spend many weekends up at their family cabin in Bellaire. She enjoys spending time with friends and family, traveling, boating, playing, or watching sports, baking, and adventuring through Grand Rapids. She is part of the Social Committee where she lives, is on the Harvest and Hops committee with the Crohn’s and Colitis foundation and is active in the community.

Angela Smith

Director of First Impressions

Angela graduated from GVSU with a bachelor’s degree in Hospitality and Tourism Management and has over 15 years of experience in event sales and coordination.

She and her husband Adam have been married 15 years and have 2 young boys. When not working, Angela can be found at any of her boys’ games cheering them on. She prides herself on her self-awarded title of World’s Best Snack Mom.

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