Welcome to Eley-Graham-Austgen Financial Advisory Services
Your Retirement Ticket®
Owner & Registered Principal: Dorothy Austgen, (CFP®)
Niko Yates, 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
Timing Your Retirement
This short video illustrates why knowing when to retire can be a crucial part of your strategy.
Estate Management Checklist
Is your estate in order? This short quiz may help you assess your overall strategy.
Consider Keeping Your Life Insurance When You Retire
Reasons to retain your coverage into your retirement years.
Orchestrating Your Retirement Accounts
Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.
Directors and Officers Liability Insurance
Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.
You May Need to Make Estimated Tax Payments If…
Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.
Immediate vs. Deferred Annuities
Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities.
There’s a link between debt and stress.
The ABCs of Zero Coupon Bonds
Understanding some basic concepts may help you assess whether zero-coupon bonds have a place in your portfolio.
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What's My Potential Estate Tax?
This calculator helps estimate your federal estate tax liability.
Can I Refinance My Mortgage?
This calculator can help determine whether it makes sense to refinance your mortgage.
What Is My Life Expectancy?
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Federal Income Tax
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
Should I Pay Off Debt or Invest?
This calculator will help determine whether you should invest funds or pay down debt.
What Is My Risk Tolerance?
This questionnaire will help determine your tolerance for investment risk.
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Protecting Those Who Matter Most
The importance of life insurance, how it works, and how much coverage you need.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
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The Wild West of Data Theft
Learn about cyber liability insurance in this entertaining video.
16 Wall Street Cliches in 60 Seconds
Pundits say a lot of things about the markets. Let's see if you can keep up.
Suddenly Single: 3 Steps to Take Now
Have you found yourself suddenly single? Here are 3 steps to take right now.
Making Your Tax Bracket Work
Have you explored all your options when it comes to managing your taxable income?
The Richest Man in Babylon
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Charitable Giving: Smart from the Heart
Do you have causes that you want to support with donations?