Your Future,
Thoughtfully
Planned.

Retirement & Financial Strategies brings over 30 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
30+
Years serving families in Owensboro and beyond
3×
CERTIFIED FINANCIAL PLANNER® professionals — one of the most rigorous credentials in the industry
Emma Goetz Evan Goetz
Meet the Advisor Team
Family-led. Locally rooted. Forward-focused.
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Locally Owned & Operated

A family business rooted in Owensboro since our founding; a business built on lasting relationships.

A Team-Based Approach

Every client benefits from the combined education and experience of our full advisor team.

Comprehensive Planning

Investment management, retirement income, risk protection, tax planning, and estate considerations all under one roof.

Jerry, Emma, and Evan Goetz
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

Tax Planning Strategies

Tax-aware thinking built into your entire plan, from Roth conversions and withdrawal sequencing to asset location and coordination with your tax advisor.

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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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The RFS Difference

The CFP® Certification Is the Gold Standard

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® certification — 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
30+
Years of combined financial planning experience
~7%
Of financial advisors nationally hold the CFP® certification
∞
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
Emma Goetz

Emma Goetz, CFP®

Financial Advisor
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Evan Goetz

Evan Goetz, CFP®

Financial Advisor
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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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