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Welcome to Eley-Graham-Austgen Financial Advisory Services

Your Retirement Ticket®

Owner & Registered Principal: Dorothy Austgen, (CFP®)

Karen Candiano, Financial Advisor

Niko Yates, Financial Advisor

Michael Gard, Financial Advisor

The roots of Eley-Graham-Austgen Financial Advisory Services began in 1958 when Paul Eley started his insurance advisory business. He was on the cutting edge of the financial planning industry.

As the industry evolved, Richard (Rich) Graham joined Paul in 1981. In 1982, Paul and Rich formed their partnership and created Eley-Graham Advisory Corporation, which is a fee-based, financial planning and advisory business.  

Paul Eley retired in 1994, at which time Rich became the owner of Eley-Graham Financial Advisory Services (EGFAS) and Eley-Graham Advisory Corporation. Rich retired in 2019, at which time Dotty Austgen became the Registered Principal.

Dotty Austgen joined Eley-Graham in 1995, working in a variety of capacities. She received her CERTIFIED FINANCIAL PLANNER™ certification in 2009 and acquired Eley-Graham in 2020, under the name Eley-Graham-Austgen Financial Advisory Services (EGAFAS).

Today, Dotty and her Advisory Team serve the financial and retirement planning needs of individuals, families, and small business owners. The staff at EGAFAS includes Certified Financial Planning Professionals™ as well as registered and licensed professionals to assist the complex needs of our clients.

Eley-Graham-Austgen Financial Advisory Services offers individuals and their families a process and system called “The Retirement Express” – Your Retirement Ticket®.  Everything that we do in the area of financial and retirement planning comes out of this process.

“The Retirement Express” is Your Retirement Ticket® to financial independence. It includes six stations:

The Destination Station - Goals and Objectives

The Education Coupler - Education Planning

The Income Engineer - Retirement Income Planning

The Asset Allocation Line - Investment Strategies/Portfolio Design

The Insurance Protection Track - Life, Health, Home/Auto, Long-Term Care, etc.

The Financial Conductor - Estate Planning

By visiting the six stations, we help our clients determine how to accumulate their assets, create income for retirement, help preserve those assets and, ultimately, distribute those assets to their loved ones.

“The Retirement Express” and Your Retirement Ticket® bring all the tools together in one continuous process to help individuals achieve financial independence throughout their lifetimes.

Throughout history, we have developed long-term, mutually-beneficial relationships built on the highest levels of trust, integrity, and service. In so doing, we have created relationships that, like our company, endure over time.  We look forward to developing this kind of relationship with you and your loved ones.


Dorothy Austgen, CFP(R)







Paul Eley and Richard Graham at Paul Eley’s retirement party and building dedication in 1994

Paul Eley (10/19/1917 – 11/06/2006) & Rich Graham

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