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When Markets React Behavioral Finance Should You Tap Retirement Savings to Fund College? Should You Ever Retire?
 

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

Estimating the Cost of College

Estimating the Cost of College

This worksheet can help you estimate the costs of a four-year college program.

Annuity Comparison

Annuity Comparison

Compare annuity options to see how each one could affect your long-term income outlook.

Yours, Mine, and Ours: Estate Strategies for Second Marriage

Yours, Mine, and Ours: Estate Strategies for Second Marriage

Second marriages are a trigger event to revisit any existing estate strategies.

 

Breaking Down the Parts of Medicare

Medicare is broken down into four specific parts—but what do they mean? This article will help you understand each piece.

How to Invest in LGBTQ+ Friendly Companies

This article allows those who support LGBTQ+ interests to explore the possibilities of Socially Responsible Investing.

Bull & Bear Markets: A Timeline

This helpful infographic will define bull and bear markets, as well as give a historical overview.

Put It in a Letter

A letter of instruction provides additional and more personal information regarding your estate.

Should You Borrow from Your 401(k)?

Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?

Buying a Home

A look at what you need to think about when buying a home.

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IRA Income

Estimate the potential monthly income your IRA balance could generate in retirement.

Monthly Budget

Track your monthly income and expenses to get a clearer view of your cash flow.

How Much Home Can I Afford?

Estimate how much home may fit within your budget based on income and expenses.

Student Loan Refinance Calculator

Compare your current student loan terms to a potential refinance to see if it makes sense.

Comparing Mortgage Terms

Compare different mortgage term lengths side by side to find the option that fits your budget.

How Compound Interest Works

Explore how compound interest can grow your money over time with this interactive tool.

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The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

Dreaming Up an Active Retirement

When you retire, how will you treat your next chapter?

To Buy or Not to Buy

The decision whether to buy or rent a home may have long-term implications.

When Markets React

When markets shift, experienced investors stick to their strategy.

Extended Care: A Patchwork of Possibilities

What is your plan for health care during retirement?

Retiring the 4% Rule

A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.

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