R L B F i n a n c i a l

+ ADVICE & PLANNING+ CALCULATING & FORECASTING+ MANAGING & UNDERSTANDING

R L B F i n a n c i a l

Our MissionOur philosophy is to work in partnership with you to maximize the value of your life’s earnings. Depending on your needs and goals, this can take different forms:

+ Investing for growth and/or retirement+ Protecting and transferring your wealth+ Managing ongoing investments for tax efficiency, such as IRA’s+ Managing distribution of retirement funds in the most tax efficient manner.

Our commitment is to our clients, not “THE CORPORATION.” We strive to maximize client’s goals not corporate profits.

2832 S. Ingram Mill Rd. | Suite 104Springfield, MO 65804www.RLBFinancial.com866-686-8097 Get social with us by visiting Facebook.com/RLBFinancial

Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents. FINRA http://www.finra.org

PROUDMEMBER

Building Trust Through Education

Meet Your AdvisorRobert Baltzell,President, ChFEBC, CFEd®

Robert’s philosophy focuses on capital preservation; he has made assisting individuals with their retirement and estate planning his specialty. RLB Financial was founded with the philosophy that the needs of the client always come first. The mission is to help individuals in retirement, nearing retirement, self-employed and everyday people with their financial goals.

Family is the core of Robert’s life. He and his wife, Suzy have three children. Robert strongly believes that the success he has earned is the direct result of continued interest in the field of financial planning and willingness to help others. It is his desire to pass the knowledge and enthusiasm he has for the financial education onto his clients. He believes that good financial education brings forth financial success and opportunity for each client he might have the pleasure to serve.

Robert, founder of RLB Financial has been a leading financial advisor and his advice has been sought out by major network news agencies. Robert has provided investment and financial advisory services to individuals and business owners to form an elite group of clientele. RLB Financial focuses on the preservation of wealth.

As an advisor Robert values the education he has received and believes it is the foundation of success in his business thus far. He has achieved the designation of Certified Financial Educator™ (CFEd®); the designation is conveyed and supervised by the Heartland Institute of Financial Education through its Governing Board.

Another distinguished designation Robert has achieved is the Charted Federal Employee Benefits Consultant (ChFEBC); this allows Robert to include consultations with federal employees in regards to the federal retirement system. Robert has been educating federal employees on how to maximize their benefits and how to retire comfortably at locations all across the Mid West over the last decade.

Robert is a respected speaker. He has spoken at Missouri State University, Drury University, Springfield Chamber of Commerce and the Environmental Protection Agency, Federal Courts, McConnell Airforce Base, Veterans Administration, FT. Leonardwood and the Federal Prison Hospital to mention a few. He is also a consumer finance supporter that has been featured in the Springfield Business Journal, Ask the Experts.

What does the word “retirement” mean to you? Sitting on the porch? Fishing with your grandchildren? Starting your own business, or rolling up your sleeves and getting involved with your favorite philanthropy? At RLB Financial, we know that retirement can mean a time boundless potential or endless financial worry, depending on how well you plan for it.

To achieve the retirement that you and your spouse have always dreamed of, you need to consider a wide variety of challenges that your

Everything changes the day you retire. That’s when you have to turn your savings into a sustainable retirement income stream. The best time to start that process is before you need the money because how and where you save will have a direct impact on how you tap into those assets when you need them.

+ We’ll help you prioritize your savings among taxable and tax-deferred options.+ We’ll help you decide when and if to roll your 401 (k) into an IRA+ We’ll design a plan for cracking open your nest egg based on your current and future needs.

parents’ generation never had to deal with. For instance, with today’s medical advances and healthier lifestyles, life expectancies are lengthening, and you need to make sure that you don’t outlive your resources. As more employers drop their pension plans, the burden of saving for retirement has shifted to your shoulders. RLB Financial can help you bring order to the chaos of retirement planning and give you the information and support you need to make informed decisions that are right for you.

Create The Retirement of Your Dreams Plan Now For A Comfortable, Secure Future

From Accumulation to DistributionCracking Open Your Nest Egg

One of the biggest challenges in retirement is managing your cash flow. We will help you:+ Identify all of your predictable income sources, including your pension, SSI or annuities.+ Design trust strategies to protect your estate from unnecessary fees and taxes.+ Provide ongoing care for elderly parents or special-needs children.+ Develop a strategy to pass on your successful family business without burdening your heirs with potentially crippling tax liabilities.

Managing Your Cash FlowMake Sure The Money Is There When You Need It

Building Trust Through EducationRLBFinancial.com | 866-686-8097

Meet Your AdvisorRobert Baltzell,President, ChFEBC, CFEd®

Robert’s philosophy focuses on capital preservation; he has made assisting individuals with their retirement and estate planning his specialty. RLB Financial was founded with the philosophy that the needs of the client always come first. The mission is to help individuals in retirement, nearing retirement, self-employed and everyday people with their financial goals.

Family is the core of Robert’s life. He and his wife, Suzy have three children. Robert strongly believes that the success he has earned is the direct result of continued interest in the field of financial planning and willingness to help others. It is his desire to pass the knowledge and enthusiasm he has for the financial education onto his clients. He believes that good financial education brings forth financial success and opportunity for each client he might have the pleasure to serve.

Robert, founder of RLB Financial has been a leading financial advisor and his advice has been sought out by major network news agencies. Robert has provided investment and financial advisory services to individuals and business owners to form an elite group of clientele. RLB Financial focuses on the preservation of wealth.

As an advisor Robert values the education he has received and believes it is the foundation of success in his business thus far. He has achieved the designation of Certified Financial Educator™ (CFEd®); the designation is conveyed and supervised by the Heartland Institute of Financial Education through its Governing Board.

Another distinguished designation Robert has achieved is the Charted Federal Employee Benefits Consultant (ChFEBC); this allows Robert to include consultations with federal employees in regards to the federal retirement system. Robert has been educating federal employees on how to maximize their benefits and how to retire comfortably at locations all across the Mid West over the last decade.

Robert is a respected speaker. He has spoken at Missouri State University, Drury University, Springfield Chamber of Commerce and the Environmental Protection Agency, Federal Courts, McConnell Airforce Base, Veterans Administration, FT. Leonardwood and the Federal Prison Hospital to mention a few. He is also a consumer finance supporter that has been featured in the Springfield Business Journal, Ask the Experts.

What does the word “retirement” mean to you? Sitting on the porch? Fishing with your grandchildren? Starting your own business, or rolling up your sleeves and getting involved with your favorite philanthropy? At RLB Financial, we know that retirement can mean a time boundless potential or endless financial worry, depending on how well you plan for it.

To achieve the retirement that you and your spouse have always dreamed of, you need to consider a wide variety of challenges that your

Everything changes the day you retire. That’s when you have to turn your savings into a sustainable retirement income stream. The best time to start that process is before you need the money because how and where you save will have a direct impact on how you tap into those assets when you need them.

+ We’ll help you prioritize your savings among taxable and tax-deferred options.+ We’ll help you decide when and if to roll your 401 (k) into an IRA+ We’ll design a plan for cracking open your nest egg based on your current and future needs.

parents’ generation never had to deal with. For instance, with today’s medical advances and healthier lifestyles, life expectancies are lengthening, and you need to make sure that you don’t outlive your resources. As more employers drop their pension plans, the burden of saving for retirement has shifted to your shoulders. RLB Financial can help you bring order to the chaos of retirement planning and give you the information and support you need to make informed decisions that are right for you.

Create The Retirement of Your Dreams Plan Now For A Comfortable, Secure Future

From Accumulation to DistributionCracking Open Your Nest Egg

One of the biggest challenges in retirement is managing your cash flow. We will help you:+ Identify all of your predictable income sources, including your pension, SSI or annuities.+ Design trust strategies to protect your estate from unnecessary fees and taxes.+ Provide ongoing care for elderly parents or special-needs children.+ Develop a strategy to pass on your successful family business without burdening your heirs with potentially crippling tax liabilities.

Managing Your Cash FlowMake Sure The Money Is There When You Need It

Building Trust Through EducationRLBFinancial.com | 866-686-8097

R L B F i n a n c i a l

+ ADVICE & PLANNING+ CALCULATING & FORECASTING+ MANAGING & UNDERSTANDING

R L B F i n a n c i a l

Our MissionOur philosophy is to work in partnership with you to maximize the value of your life’s earnings. Depending on your needs and goals, this can take different forms:

+ Investing for growth and/or retirement+ Protecting and transferring your wealth+ Managing ongoing investments for tax efficiency, such as IRA’s+ Managing distribution of retirement funds in the most tax efficient manner.

Our commitment is to our clients, not “THE CORPORATION.” We strive to maximize client’s goals not corporate profits.

2832 S. Ingram Mill Rd. | Suite 104Springfield, MO 65804www.RLBFinancial.com866-686-8097 Get social with us by visiting Facebook.com/RLBFinancial

Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents. FINRA http://www.finra.org

PROUDMEMBER

Building Trust Through Education