Schod, DeGroff & Associates

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Schod, DeGroff & Associates Clarity. Confidence. Strategy.

📍 Serving clients nationwide Finance was never meant to be like this. Out of this, DeGroff Financial was founded.

At Schod, DeGroff & Associates we help individuals, families, and businesses create financial clarity through personalized strategies and real-world advice that actually makes sense. DeGroff Financial was born out of a desire to see people use money in a way that helps them further their own abilities. So much of what goes on in the financial industry works against people through limiting their ability from using their money or providing strategies that are rarely understood. This constrains people and prevents them from using their money to take advantage of opportunities and to obtain more out of life. Money is supposed to give people increased ability and growth potential, not less. The goal is to help people to make decisions that will lead to increased growth, increased flexibility, and increased opportunity. To accomplish this, DeGroff Financial has two distinct elements of its business:

The first element is Advice. DeGroff Financial seeks to provide the advice clients need in order to help them to get to where they want to go. Many clients are capable of making good decisions, but often times they just require greater perspective in order to make the right decisions. This is what we offer. The second element is Implementation. The best advice in the world means nothing if it is not implemented. Therefore, DeGroff Financial seeks to provide the tools and services clients need to take them where they are trying to go.

Full day of financial planning meetings in the Winfield office today.Spent a little time filming Destination Putnam with...
09/30/2026

Full day of financial planning meetings in the Winfield office today.

Spent a little time filming Destination Putnam with the Putnam County Chamber this morning as well.

Love working with our clients and seeing them grow!

It’s been a bit since we’ve posted in here!It’s been an incredibly busy year for the Schod DeGroff crew, inside and outs...
09/22/2026

It’s been a bit since we’ve posted in here!

It’s been an incredibly busy year for the Schod DeGroff crew, inside and outside the office. And if you’ve been to the Winfield office over the past several months, you’ve seen quite a few changes outside as well!

But hey, we’ve got our own parking lot now, so progress is being made! One day we will even put a sign up—I promise.

While there has been a lot of construction outside, inside the office (and in the Pittsburgh office as well) we’ve been hard at work helping our clients reach their financial goals and live the life they want to live.

So while we may not post much these days, we are still here, hard at work.

And if we can help you in any capacity, don’t hesitate to reach out. Our DM’s are always open.

07/13/2026

Random finance tip:

Your dollars will go where you tell them to go.

Much like water that is flowing, you can divert it to different locations or pool it in certain areas.

And just as water will always find the path of least resistance, so will your dollars.

Picture a cup, with water flowing into it. Now let's imagine that this cup has a series of holes in the bottom.

The water will just flow straight through, right? We can’t keep any of that flow, and can’t control where it is going.

Those holes are our poor financial decision making and the lack of control we have over our finances. We can’t keep our dollars because we can’t control our spending. We aren’t telling our money what to do.

If we fill in those holes, what happens to the cup? Now, devoid of the obstacles, it will fill up and start to overflow. If we clean up the financial decisions we are making, we start to see our dollars grow.

Now we are controlling our cash flow properly, which is the first step of creating financial success, whether in business or our personal lives.

To further the point: Once the cup starts to overflow, we need to make sure we have other places to catch the water.

This becomes our asset location--the different areas that we are funneling our money to make sure that it does what we need it to do. Savings, investments, insurance, etc. We need to give our dollars jobs and then divert that money into the proper place for them to do their jobs.

When we start to dictate where our money is going, eliminating the run-off and catching/pooling the excess in accounts that we control, we begin to start winning with our finances.

If you’re a fan of action steps: identify the holes in your cup! This is best done by reviewing your spending from over the last ninety days or so. Once you look at the appropriate data, you will have a much clearer view of what the holes in your cup are.

04/07/2026

When you think of financial success, do you want the physical money or do you want the result of having that money?

Chances are, you want the result.

It’s not about having the few million dollars, it’s what we can DO with that few million dollars.

The freedom that comes from having those dollars. The flexibility it creates in our situation. The stuff it can buy. The good it can do. The peace it creates in your mind.

Money is a tool that helps us achieve a goal. But money itself should not be the goal.

Put another way, the entire purpose of money is to be the tool that helps us achieve the goals we want to accomplish. It isn’t the goal, but the tool that pushes us towards what we desire.

When we treat money like the goal, it becomes a carrot on a stick that we keep having to work towards.

This is why I’m not a fan of the way the financial industry promotes retirement planning above all else in the financial world. That carrot on a stick keeps us running into the wind, thinking “once I hit this number” or “once I hit this age” “I can finally live the life I want.”

This is no way to live.

When we treat money as a tool, and handle our finances the proper way and building our financial life from the foundation up, your dollars become the wind in your sails pushing you towards your goals, instead of the carrot that you are chasing.

Got some mail today. I officially received my CLTC® (Certified in Long-Term Care) diploma.In my view, long-term care pla...
04/02/2026

Got some mail today.

I officially received my CLTC® (Certified in Long-Term Care) diploma.

In my view, long-term care planning is one of the most overlooked (and misunderstood) areas in financial planning. Most people either ignore it completely, assume “it won’t happen to me,” or let it be one of those things that adds to anxiety, while not doing anything about it.

All of which are dangerous.

Extended Care events don’t just impact health. they impact cash flow, assets, family dynamics, and the legacy we hope to leave.

This designation is about sharpening our ability at Schod, DeGroff & Associates to help clients make smarter, more informed decisions around:

• Protecting assets
• Maintaining independence
• Reducing the burden on family
• Creating a plan before it’s needed

As I always say: discernment over dogma. There’s no one-size-fits-all answer here. But there is a better way to approach long-term care than sticking your head in the sand.

If long-term care planning hasn’t been addressed in your world yet, it’s worth a conversation.

04/01/2026

We aren't funny enough to make April Fool's jokes, so you don't have to worry about that from us!

That said, we are really good at financial planning. So if it's time to get a second set of eyes on your plan, reach out to us and lets chat!

Productive day in Atlanta meeting with our Disability Specialist Joe Matia.Refining our processes and getting better at ...
02/02/2026

Productive day in Atlanta meeting with our Disability Specialist Joe Matia.

Refining our processes and getting better at our craft. Always working to better serve our clients from both the protection and growth sides.

At Schod, DeGroff & Associates, we understand that getting the max rate of return isn’t the only factor in a good financ...
01/29/2026

At Schod, DeGroff & Associates, we understand that getting the max rate of return isn’t the only factor in a good financial plan.

By building a strategy around tax efficiency, managing debt and cash flow appropriately, protection, and saving/investing the appropriate amounts in the appropriate places, our chances of financial success greatly increase.

How can we help you build your financial strategy?

Chris and Bryan putting in some Friday morning work in the Winfield office.
01/23/2026

Chris and Bryan putting in some Friday morning work in the Winfield office.

Address

13288 Winfield Road
Winfield, WV
25213

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