Annuities can be a significant component of retirement planning, offering a source of retirement income. However, to understand the features of annuities, it’s essential to understand the dos and don’ts before purchasing one. […]
In honor of Annuity Awareness Month, this article provides insight into annuities and how they may fit into a retirement income strategy. Annuities may seem complex, but with a clearer understanding of their basics, types, and role [...]
Spousal Social Security can be an important component of retirement planning, providing income to the spouse who either did not work or earned less during their working years. Understanding its nuances, eligibility conditions, and potential impact on [...]
The golden years of retirement offer an opportunity to resume leisure activities that may have been put on hold during one’s career. Hobbies offer an amazing avenue to replace work routines with enjoyable activities that can blossom [...]
Understanding Medicare and its intricacies often seems daunting. This article will provide an overview of the program, highlighting when to enroll and what the different parts of Medicare encompass. […]
Legacy planning efficiently transfers a person’s estate and assets after death. This planning is more than just asset distribution. It greatly affects your family, society, and favored causes. Legacy planning uses directives and designations. These legal tools [...]
Understanding financial literacy concepts such as budgeting, saving, and investing is crucial for everyone, children included. Financial literacy is the ability to comprehend and make decisions that contribute to financial readiness. This proficiency isn’t inherently taught in [...]
Near the top of the list at the start of every year are often financial resolutions—commitments to save more, spend less, pay off debt, or prepare for upcoming financial milestones. The challenge, however, lies in sticking to [...]
A Roth conversion is the process of moving assets from a Traditional, SEP, or SIMPLE IRA, or from a qualified retirement plan, into a Roth IRA. When the conversion occurs, taxes are due on contributions and the [...]
Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Centennial Wealth Strategists and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.
This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Centennial Wealth Strategists and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc.
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Office Administrator
With over 24 years of experience as an Office Administrator, I’ve built a strong foundation in organization, communication, and support across various industries. I’ve also worked as an Account Representative for two years, and spent three years in the logistics field, gaining a well-rounded perspective in customer service and operations.
I’m married to my wonderful husband, Ben, and we have a son, Tyler, who currently lives in Milwaukee, Wisconsin. At home, I share my days with our poodle, Sage, and our cat, Franklin—both full of personality and always keeping things interesting.
In my free time, I enjoy tending to my herb garden, going for walks, and relaxing by floating in the pool during the summer months. These quiet, peaceful moments keep me grounded and bring me a lot of joy.
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President
Cheryl joined Centennial Wealth Strategists as a partner in the company 14 years ago and in 2018 took over the role of CEO. She is proud to be a homegrown girl from Evansville Indiana whose entire working career and life have revolved around the Evansville community. Cheryl believes there is an understood appreciation and loyalty in the tri-state area that folks do business with someone they know, like, trust, and are local. That is why as a fiduciary at the highest level, her clients have come to trust her ability to provide solid feedback and guidance. Cheryl focuses on all aspects of a client’s financial plan and serves as a financial partner that clients trust by ensuring that all recommendations are in the client’s best interest and fit into their overall plan. She helps clients navigate each life event and economic climate, no matter the simplicity or complexity. Her motto is “Financial Dreams Delivered”.
Cheryl has been married to her husband Clayton for 14 years. She is an animal lover and in her spare time, she enjoys playing with her cats and dogs, spending time outdoors pretending to be a landscaper, and wishing she had more time to spend on a beach anywhere.
Cheryl’s professional licenses and registrations include Series 65 with the Financial Industry Regulatory Authority (FINRA). Life and Health Insurance with the states of Indiana, Kentucky, Tennessee, Michigan, Ohio, and Florida. She earned a Bachelor of Arts in Accounting and an Associate of Arts in Computer Information Systems from the University of Southern Indiana.
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