Meet Your Advisor
FIC®, CLTC®, FRC (SM), RICP®, ChFC®
Chartered Financial Consultant
Investment Advisor Representative
My Mission: To live a life of faith and family values, to serve and educate clients with sound holistic financial advice and planning, with a high expectation of success, honesty, and integrity from both sides.
To help my clients live the best life possible with the money and resources they have, helping them pass those assets on to their loved ones, or business colleagues with the values and goals that are of the most importance to them, the client, as a result, I can always take pride in my work, know I did my best and used my God-given talents and education for the service of others lifelong financial success.
Your Needs, My Guidance:
Financial planning is at the core of the services I offer; I employ a comprehensive approach to help you assess your financial position today. I look at your current financial position and help you map out where you want to go, with strategies to help you get there, a time horizon, and an implementable plan.
Based on the values you identify as important, I’ll help you develop a personalized plan to help you pursue your dreams. This plan may include minimizing taxes, investing more effectively to reach goals, maximizing Social Security, or protecting the people and causes that matter most to you and your family, allowing you financial peace of mind and confidence in your lives.
I see many clients who have the resources to achieve financial success, yet they don’t make good decisions, make decisions at the wrong time, base their decisions on emotion, or don’t stay with their game plan and follow a bigger vision for themselves.
Most People have good intentions. They want to do the right thing; they simply need a little coaching to follow through with it. This is an area in which I provide tremendous value. I lead my clients to make positive behavior changes and to make wise choices, even when I am not around.
Once you are on track financially, we continue with regular periodic reviews and follow-ups to keep you there.
Insurance Licensed States:
Life and Health Insurance: Nebraska, Missouri, Kansas, Montana, Arizona, Colorado, Washington.
—helping clients keep their Financial Goals aligned with their Faith, Family Values, and Traditions.
Professional Education and Exams History:
FINRA Series 66 Uniform Combined State Law Exam/ Passed
Professional Designations
Echo Pelster has earned certifications and credentials that must be explained in further detail.
- Fraternal Insurance Counselor (FIC®) – Issued by the Fraternal Field Managers Associated
(FFMA). Candidates must have:
• Completed twelve consecutive months of work experience and maintained good standing
with a fraternal benefit society which is a member of the National Fraternal
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Congress of America and the Fraternal Field Managers’ Association, or the Canadian
Fraternal Congress.
• Must complete four courses: Introduction to Life Insurance, Ethics for the Insurance
Professional, Needs Analysis and Introduction to Advanced Markets. If a fraternal
society employs a person with a CLU, ChFC completing Introduction to Life
Insurance and Ethics for the Insurance Professional.
- Certified Long-Term Care (CLTC®) certification is awarded by The CLTC Board of
Standards, Inc., candidates must:
• Complete two-day classes or online courses.
• Pass a final course exam.
• Must complete one course every two years for continuing education.
- Retirement Income Certified Professional® (RICP®) certification is awarded by The American College of Financial Services, candidates must:
• Complete RICP® coursework within five months from the date of initial enrollment.
• Complete three in-depth online courses.
• Meet the experience requirements: Three years of full-time business experience
within the five years preceding the date of the award. An undergraduate or graduate
degree from an accredited educational institution qualifies as one year of business
experience.
• Sign and agree to abide by a Code of Ethics.
• Pass an exam administered by Pearson VUE Testing Center. Minimum test score
70%.
• When you achieve the RICP® designation, you are subject to the PACE
Recertification Program earning 30 credit hours of educational activities in subject matter that is acceptable to PACE Recertification every two years. - Chartered Financial Consultant® (ChFC®): Chartered Financial Consultant (ChFC®) is a designation issued by the American College. ChFC® designation requirements:
• Complete ChFC® coursework within five years from the date of initial enrollment.
• Meet the experience requirements: Three years of full-time business experience
within the five years preceding the date of the award. An undergraduate or graduate
degree from an accredited educational institution qualifies as one year of business
experience.
• Take the Professional Ethics Pledge.
• When you achieve your ChFC® designation, you must earn 30 hours of continuing
education credit every two years.
Federal Retirement Consultant (FRC): Federal Retirement Consultant is a designation
issued by the Federation of Federal Employee Benefit Advocates LLC (FFEBA). FRC
designation requirements:
Complete a disclosure questionnaire and meet two of the three following requirements:
1. Meet an experience requirement by either:
o Holding a Bachelor’s degree (or higher) in Business, Finance or Economics
o Having a minimum of two years of relevant industry experience
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2. Hold one of the following:
o State Insurance License
o Series 24
o Series 6
o Series 65
o Series 7
o Series 66
3. Hold one of the following:
o Chartered Financial Consultant (ChFC)
o Chartered Life Underwriter (CLU)
o Certified Financial Planner (CFP)
o Master’s Degree in Business, Finance or Economics
o Attorney’s License (JD)
o Certified Public Accountant (CPA)
4. Education Requirements: Successful completion of the complete the Federal Retirement Consultant (FRC) Course
5. Examination Type: Final certification exam (proctored, closed book.
6, Continuing Education Requirements of 6 Credits each year.
Personal Life
- Married to Vern Since 1997.
- Love My Faith, Family, and Career.
- 3 grown children & several grandchildren.
- Live in Gandy Nebraska.
- Dog Mom to Cash & Posey.
- Rotarian Since 2012.
- Church member my entire life.
- Enjoy people, travel, gardening, and family.
- Fundraising events and helping others.
Take the first step towards a secure and fulfilling retirement. Please schedule a consultation with our trustworthy financial advisor.
Call for Your Appointment Today!
308-848-2244 Office
308-222-3585 Mobile & Text. ( you will be asked to approve texting.)