Curtis V. Cloke, CLTC, LUTCF
Curtis began his career as a financial professional in 1987 when he joined Prudential Financial. After many successful years with Prudential, he merged his practice with Cady Financial Solutions and Employee Benefits Systems (EBS) in 2004, where he continues to blend his expertise in financial planning and employee benefits solutions. The firm changed its name in 2007, becoming a member of Two Rivers Financial Group.
Curtis has several areas of expertise in both personal and business planning. He provides retirement income funding strategies, investment services, and estate planning to individuals. For his business clients, Curtis offers business planning and employee benefits design and implementation.
Curtis was recognized in 2009 as a top five finalist for Senior Advisor of the Year by Senior Markets Advisor Magazine. He is a member of the National Insurance and Financial Advisors Association (NAIFA), currently serving as President of the Southeast Iowa Association. He is a member of the Society of Financial Service Professionals (FSP) and is a qualifying member of Top of the Table with the Million Dollar Round Table (MDRT). He is also a volunteer advisory board member to the Small Business Development Centers (SBDC) of Iowa in Des Moines, where he represents the Southeast Iowa Region. In addition, he serves on the Des Moines County Community Foundation Board located in Burlington, Iowa.
Curtis has earned his CLTC (Certified in Long Term Care) and LUTCF (Life Underwriters Training Counsel) designations. Since 1991, Curtis has been moderating professional development courses for the Life Underwriters Training Counsel and has developed and provided continuing education training to professionals on many topics relating to retirement and estate planning strategies. Curtis is a recognized speaker and trainer in the area of income distribution planning.
In 1999, Curtis developed an income distribution system that is now known as the Thrive Income Distribution System®. Thrive Income Distribution System® is revolutionary system that provides a contractual solution for inflation-adjusted income utilizing the least amount possible of the client’s portfolio value.