Welcome to Eley-Graham-Aust
gen Financial Advisory Services
The Office will be closed on Friday, July 3rd, 2026
in Observance of The 4th of July!
Your Retirement Ticket®
Owner & Registered Principal: Dorothy Austgen, (CFP®)
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 a Certified Financial Planning Professional™ 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
Helpful Content
Four Steps to Valuing an Estate
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
Where Is the Market Headed?
We all know the stock market can be unpredictable. We all want to know, "What's next for the financial markets?"
Long-Term-Care Needs
Estimate potential long-term care costs and what coverage may help address them.
The Investment Risk No One’s Ever Heard Of
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
How Often Should You Update Your Estate Strategy?
Review your legacy approach regularly, particularly following significant life events or legislative updates.
TIPS for Inflation
If you are concerned about inflation and expect short-term interest rates may increase, TIPS could be worth considering.
Succeeding at Business Succession
There are a number of reasons for business owners to consider a business succession plan sooner rather than later.
The Lowdown on Those Free Credit Scores
What’s the deal with your yearly free credit report?
Traditional vs. Roth IRA
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
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Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
Long-Term-Care Needs
Estimate potential long-term care costs and what coverage may help address them.
The Power of 401k Catch-Ups
See how catch-up contributions after age 50 could significantly boost your retirement balance.
Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying a home.
Debt vs. Investment
Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
Assess Your Life Insurance Needs
Estimate how much life insurance coverage may be appropriate for your situation.
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Keeping Up with the Joneses
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Finding the Balance
The sandwich generation faces unique challenges. For many, meeting needs is a matter of finding a balance.
Extended Care: A Patchwork of Possibilities
What is your plan for health care during retirement?
Encore Careers: Push Your Boundaries
Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here.
16 Wall Street Cliches in 60 Seconds
Pundits say a lot of things about the markets. Let's see if you can keep up.
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.

