Welcome to Eley-Graham-Austgen Financial Advisory Services
Your Retirement Ticket®
Owner & Registered Principal: Dorothy Austgen, (CFP®)
Karen Candiano, CFP®
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
Alternative Investments - Going Mainstream
Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity.
What Smart Investors Know
Savvy investors take the time to separate emotion from fact.
Directors and Officers Liability Insurance
Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.
A quick look at how federal income taxes work.
Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right
In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”
Here are some simple and inexpensive energy-saving tips that may help you save money.
There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator shows how inflation over the years has impacted purchasing power.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Enter various payment options and determine how long it may take to pay off a credit card.
Use this calculator to estimate your capital gains tax.
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
How federal estate taxes work, plus estate management documents and tactics.
Using smart management to get more of what you want and free up assets to invest.
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Investment tools and strategies that can enable you to pursue your retirement goals.
Principles that can help create a portfolio designed to pursue investment goals.
There are three things to consider before dipping into retirement savings to pay for college.
Do you have causes that you want to support with donations?
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Here’s a quick guide to checking to see if you have unclaimed money.
When you retire, how will you treat your next chapter?
The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose?