Carstens Financial Group

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Carstens Financial Group Retirement planning can have its ups and downs. Let me help you find a steady solution. Our service philosophy places your needs, goals and desires first.

Your retirement needs are as individual as you are and Carstens Financial Group works to address those unique needs through estate strategies, pre-retirement and retirement funding and business insurance services. Our “Big Picture” approach includes communication and candor, and a full range of products and services to provide possible solutions for your unique retirement. We’ll conduct a thorough and ethical review of your current financial status and create solutions to help you meet, and exceed, your expectations. Planning isn’t a one-time thing. We’re with you through each step of the process because your life or circumstances may change, and strategies may need periodic adjustment. Working together, we can help you achieve your retirement dreams. This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation. Securities and Advisory Services offered through Client One Securities, LLC Member FINRA/SIPC and an Investment Advisor. Carstens Financial Group and Client One Securities, LLC are not affiliated.
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This information has been provided by a Licensed Insurance Professional and does not necessarily represent the views of the presenting insurance professional. The statements and opinions expressed are those of the author and are subject to change at any time. All information is believed to be from reliable sources; however, presenting insurance professional makes no representation as to its completeness or accuracy. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Check the background of an investment professional. | Privacy Policy

There's a stretch of about ten years around retirement that could shape the decades that follow. Some call it the Retire...
10/13/2026

There's a stretch of about ten years around retirement that could shape the decades that follow. Some call it the Retirement Red Zone.

Meet the Retirement Red Zone.

Two retirees with similar savings, spending habits, and long-term returns could still end up in very different places. T...
10/06/2026

Two retirees with similar savings, spending habits, and long-term returns could still end up in very different places. The order in which returns arrive may explain part of that gap.

Even if they saved the same amount.

There's no single right order for everyone. Thinking through the layers can help you spot where you stand.
09/24/2026

There's no single right order for everyone. Thinking through the layers can help you spot where you stand.

Find the next layer in your Money Stack.

The most useful money moves are rarely the most exciting ones. Small steps can support the ones that follow.
09/17/2026

The most useful money moves are rarely the most exciting ones. Small steps can support the ones that follow.

One step can support the next.

The same dollar can do different work depending on where it goes. Here's a look at why the order may matter.
09/10/2026

The same dollar can do different work depending on where it goes. Here's a look at why the order may matter.

Some financial moves do more.

Save, invest, pay down debt — it's all good guidance. Deciding what comes first is the hard part.
09/03/2026

Save, invest, pay down debt — it's all good guidance. Deciding what comes first is the hard part.

The challenge is deciding what comes first.

The retirement your parents planned for may not match the one you'll experience — and that's not a bad thing. It just me...
08/25/2026

The retirement your parents planned for may not match the one you'll experience — and that's not a bad thing. It just means there's more room to design a chapter that fits your own priorities. Explore the next chapter you get to author.

Explore the next chapter you get to author.

Pensions used to do a lot of the heavy lifting. After the 401(k) was introduced in 1978, more of that responsibility shi...
08/18/2026

Pensions used to do a lot of the heavy lifting. After the 401(k) was introduced in 1978, more of that responsibility shifted from employers to individuals — right around the time retirements themselves started stretching longer. A longer retirement changes the questions worth asking. See how the shift happened.

The shift from pensions changed the story.

More than 1 in 4 Americans ages 65–74 are still working today — a much higher share than 30 years ago. For a lot of peop...
08/11/2026

More than 1 in 4 Americans ages 65–74 are still working today — a much higher share than 30 years ago. For a lot of people, it's not about the paycheck. It's about purpose, structure, or staying connected. Could you see yourself working in some way during retirement, even if you didn't have to? See how retirement is being redefined.

Retirement is becoming more personal.

In 1950, the average American lived to about 68 — many people never experienced decades of retirement at all. Today, tha...
08/04/2026

In 1950, the average American lived to about 68 — many people never experienced decades of retirement at all. Today, that same chapter can stretch on for 20, 30 years or more, and it's evolved from a quiet finish line into something far more personal. Take a look at how retirement has changed since the 1950s, and what that shift could mean for how you think about your own.

See how retirement has changed over 75 years.

Address

605 Highway 71 S
Arnolds Park, IA
51331

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17123325960

Website

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