Our Services

Your business is unique, so a one-size-fits-all approach to employee benefits simply won’t work. That is why, at Culbertson Financial Services, we take a custom approach to employee benefits.

We understand that as a business owner, you face the challenge of reducing costs while enhancing employee benefits and still attracting qualified employees. Our solutions are tailored to local market conditions, network, and your group’s demographics, to help you maximize your benefits while reducing your costs and administrative burden.

Employee Census form

As a fully independent firm, clearing through the largest independent broker dealer in the country, LPL Financial LLC, we have both the flexibility and the resources to serve your investment needs. With the ability to select from five different investment platforms hosting a full array of products and strategies, we can tailor a recommendation to your specific situation, goals, and time horizon.

As a Smartvestor Pro with the Ramsey Organization, I approach working with each client as an educational endeavor. When investing, the client always has the final decision and the only way to reach that decision is to fully understand what it is in which you are investing and why. I take pride in being your partner in developing that understanding. If you are not familiar with Dave Ramsey and his quest to help average people become financially successful people, go to https://www.ramseysolutions.com or Stream Dave Ramsey online.

Our investment management services cover a wide range of account types and asset classes, including:

• Stocks
• Bonds
• Mutual Funds
• Fixed and Variable Annuities
• College Savings Plans
• IRA Rollovers
• Beneficiary IRAs
• Roth IRAs
• Exchange-traded Funds
• Managed Account

*_{Stock investing involves risk including loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.}

_{The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Culbertson Financial Services or LPL Financial.}

If you find your introduction to Medicare confusing, you are not alone. In 2003, with the advent of Medicare Prescription Drug Plans, Culbertson Financial Services started holding Medicare classes for our clients. As Medicare Part D developed, the whole Medicare process became more convoluted and confusing. In 2004, the principle of the firm said we needed one person to head up the Medicare benefits work at CFS. He pointed at me. I have driven the development of simplified Medicare processes for our clients ever since.

I find applying my background in education particularly useful in helping Medicare clients find their best value. Showing clients the basics of how Medicare works and how it has evolved into the various choices that are now available, enable clients to reach a comfortable decision on what will work best for them.

Aging In to Medicare

If you will soon be aging into Medicare, you have most likely received, or are receiving, a stack of very official looking “documents” in your mailbox. Most of them are actually advertisements and can be discarded. None of them answer your first basic question; What do you need to do and when? Below is your answer.

Take out a calendar.

• Mark your 65th birthday on the calendar.
• Move to the first of that month. That will be the effective date for your Parts A (Hospital) and B (Medical) Medicare coverage. (Unless your birthday is the 1st of the month. In that case, your effective date will be one month earlier)
• Go back another three months.
  • This is the earliest that you can go online or call the Social Security Office to enroll in Medicare Parts A and B. It is best to do this as early as possible. If problems arise, there will be time to correct them and still have coverage on your effective date.
  • Complete the attached Medicare Rx Worksheet as thoroughly as possible and return it to my office. You can also complete the worksheet online at www.retireflo.com/daryl . I will then prepare comparisons and recommendations to help you find your best Medicare value. As an independent broker, I work for you. I am licensed and certified with many of the leading Medicare Supplement, Medicare Advantage, and Prescription Drug Plan carriers and know the PA marketplace. Therefore, I can recommend and enroll you with carriers and in plans that best fit your specific situation.

Medicare form

In 2009, the Affordable Care Act changed the way many Americans purchased health insurance for their families. Healthcare.gov was created and online enrollments with possible tax credits became a reality. In 2019, Pennsylvania established its own healthcare portal called PENNIE. In 2020 and 2021, due to COVID, enrollment periods were lengthened and the Healthcare Tax Credit was expanded in both size and income eligibility.

If you are losing healthcare coverage for any reason, check with me before making any enrollment decisions. Some decisions disqualify you for the Healthcare Tax Credit and are irreversible. COBRA, for instance, disqualifies you for the Healthcare Tax Credit until COBRA coverage runs out.

Complete the Individual Health Insurance Worksheet for you and your family. We can discuss your coverage timeline and the costs and benefits of coverage available to you.

Download Individual Health Insurance Worksheet

Retiring does not have to be a scary process. You’ve spent your life making sacrifices to build your retirement nest egg and it’s not always easy to switch from accumulating assets to a distribution phase. The questions can be endless:

• When should I elect Social Security?
• How much money do I need to retire comfortably?
• Will I have enough to last a lifetime?
• What debts should I pay down first?
• How much should I have in emergency savings?
• Do I need Medicare supplement insurance?
• Is the risk I’m taking worth the return?
• Will I be able to keep up with inflation?

We help you answer these questions by taking a measured, thorough look at your assets and liabilities. Our goal is to answer all of your questions, educate you on your options and make the retirement process as clear and painless as possible.

We use a variety of tools and projections to analyze the many variables that may impact your retirement in order to give you real answers regarding your likelihood of achieving your retirement objectives. This insight guides us in developing your comprehensive plan to provide you with the best possible chance of reaching your vision for retirement.

What will the future of our children hold and how can we help them prepare? Some families focus on and expect children to attend college. Others want their children to determine their own direction that may or may not include post-secondary education.