Talk to Tom about Retirement Planning in Norton Shores, MI

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Preparing Your Financial Roadmap: What to Consider

As we work on your roadmap, we’ll ask you to consider the following:
  • Where do you see yourself in the next 10-30 years?
  • Your life expectancy. With good healthcare and a healthy lifestyle, you should plan to live a long
  • What you can contribute to your plan now to cover current and future expenses.
  • Be prepared with a list of all your assets, including current accounts, retirement plans, and home equity.
  • The cost to maintain your current and future lifestyle. 
  • Are your current assets adequate to fund your future lifestyle?
  • When do you expect to start relying on your assets to cover living expenses?
  • What is your level of risk tolerance? Are you at the right risk level based on your time to retirement and the economic outlook?
  • What other income will you have in retirement? Will you have pension payments, dividends, Social Security, or other forms of income?
  • Do you have an estate plan? This is not only important to ensure your assets are distributed per your wishes, but it can reduce taxes and ensure your health and care needs are met.
  • Do you have an emergency fund set aside for unforeseen events? Consider what you would need if you have a home emergency, long illness or injury, or job loss.

As we talk through the answers to these questions, a view of your current fiscal health will emerge, as will a clear vision of your goals and the steps necessary to get you there. Remember that a financial roadmap is a living thing. Like your route on a trip, situations can emerge, requiring slight adjustments. We recommend reviewing your roadmap at least annually to ensure we consider any new developments and plan accordingly.

Schedule a meeting with one of our advisors today to get started working on your retirement roadmap. Our team of qualified financial advisors is here to help our clients in West Michigan and surrounding areas achieve the retirement of their dreams.

Financial advisory firms
CLICK HERE to schedule a meeting with a member of our team…
or give us a call at 616.622.4654.
Jacobs Retirement Roadmap logo
  • Discover 

    Imagine what your ideal retirement looks like, and explore what’s important to you.

  • Discuss 

    Examine your current financial situation, and determine your retirement income needs.

  • Implement 

    Develop a custom strategy so that you can take steps toward meeting your retirement goals.

Tom Jacobs is the president and CEO of Jacobs Financial Services LLC. He has over 25 years of experience in the insurance and financial industry. He believes the best approach when working with clients is to be straightforward, direct, and crystal clear about retirement income strategies. 

He holds an associate degree in communication and received his bachelor’s from Ferris State University.

He is married to Shelly and is the proud father of two daughters. He enjoys fishing, boating, and golfing.




Insurance Producer



Insurance Producer



Insurance Producer

Phil Paulson


Insurance Producer



Insurance Producer



Chief Operations Officer



New Business Director

Connor Duiven


Client Relations Manager



Event Director



Office Manager



New Business Manager



Director of Business Development



Director of First Impressions

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Get Your Complimentary Copy of Tom Jacobs’ Book

Learn how to dominate your post-work years by reading the powerful, personal story of Tom Jacobs’ journey to creating income strategies designed to address the retirement crisis that exists in America. Request Toms book, “Retirement Domination: Play to Win With Your Retirement,” and it will be our pleasure to rush you a complimentary copy!

Tom Jacobs Book

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Fill out the contact form below.


Meet Mike Bouma

Insurance Producer

Mike Bouma is an Insurance Producer specializing in retirement planning for Jacobs Financial Services LLC. Mike’s passion for helping clients develop a plan to achieve a confident and simple retirement is evident in his career in the insurance and financial services industry spanning more than two decades.

Mike holds his bachelor’s degree in Business Administration from Eastern Michigan University and is a licensed insurance producer in Michigan. He has been married to his wife, Beth, for over 28 years and is the proud father of four fantastic children. When he is not working, he can usually be spotted in the stands cheering on his children’s sports teams.

Meet Elise Marvin Monroe

Insurance Producer

Elise Marvin Monroe is an Insurance Producer specializing in retirement planning for Jacobs Financial Services LLC. Elise’s mission is to help clients navigate through the process of retirement planning by developing simple and impactful plans that help clients achieve their retirement goals and gives them peace of mind.

Elise is a graduate of Michigan State University with a bachelor’s degree in English and Philosophy. She has 20 years of experience in sales and marketing. She holds her life insurance license in the state of Michigan. Elise loves to be outdoors and enjoys hiking, camping, boating, grilling and walks in the park.

Meet Ray Lutke

Insurance Producer

Ray is an Insurance Producer specializing in retirement planning for Jacobs Financial Services LLC. Ray’s mission is to help build a financial plan that emphasizes safety and security in the most tax efficient manner while providing solutions for income that can never be outlived.

Ray holds a bachelor’s degree from Hope College and is an Insurance Producer. He holds his life insurance license in the state of Michigan. He and his wife, Linda, have two grown children as well as four grandchildren. His weekends are often spent riding horses and going on hunting outings.

Meet Phil Paulson

Insurance Producer

Phil is a Service Agent specializing in retirement planning for Jacobs Financial Services LLC. Phil is passionate about putting client’s needs first and helping them navigate every step of the way through their retirement journey.

Phil is a graduate of the University of North Dakota with a bachelor’s degree in Management and Marketing. Phil holds his life insurance license in the state of Michigan and obtained the Retirement Income Certified Professional (RICP) designation through the American College of Financial Services. Phil is a Retirement Income Certified Professional (RICP), a designation obtained through the American College. Outside the office, Phil spends his time golfing, traveling, and watching Minnesota sports.

Meet Amy Lutke

Insurance Producer

Amy is an Insurance Producer specializing in retirement planning for Jacobs Financial Services LLC.

Amy’s number one goal is to help you protect what matters most during retirement.

Amy is a licensed insurance producer in Michigan with over 10 years of experience within the insurance and financial services industry. She is a graduate of Grand Valley State University with a bachelor’s degree in legal studies.

During her free time Amy loves to travel and is always on the lookout for the next best steakhouse.

Meet Amber Underwood

Chief Operations Officer

Amber thrives on empowering her team to achieve and crush their goals. She implements policies to promote company culture and oversee general operations. She started at Jacobs Financial Services in 2017 as the Director of First Impressions. 

Amber earned her undergraduate degree at Grand Valley State University and completed her MBA at the University of Arizona Global Campus. She has more than ten years of management experience in the hospitality industry, including events, restaurants, and retail. 

If she’s not at the office, you can find her at the horse barn. She also enjoys fishing and hunting with her dad, traveling, biking, and cooking. 

Meet Aubrey Hansen

New Business Director

Aubrey Hansen is the New Business Director. She manages existing client relations and helps new clients on their path to a safe and stress-free retirement. She cares for clients as if they were her own family. Aubrey has over 10 years of experience in sales and customer service in the insurance and annuity industry. She also holds her life insurance license in the state of Michigan. Aubrey enjoys spending time with her husband and son, playing guitar, and meditating in worship.

Meet Connor Duiven

Client Relations Manager

Connor Duiven is the Client Relations Manager. He is passionate about providing great service to new and existing clients in all their retirement needs. He holds a Bachelor’s degree in Business Administration and Music from Aquinas College. Connor is also licensed in Michigan as a Life, Accident, and Health Producer. Outside of the office, he enjoys hiking with his dog, Kacey, spending time with family and writing music.

Meet Lynzie Vant Hul

Event Director

Lynzie is the Event Director. She plans and executes all our dinner events, including client events. Her attention to detail and energy provides an exceptional customer experience. Lynzie has over 7 years of sales/management experience in the hospitality industry. She graduated from Grand Valley State University with a bachelor’s degree in Marketing as well as Hospitality & Tourism Management. Lynzie enjoys camping, hiking, golfing, and any adventure with her Golden Retriever, Tucker.

Meet Lisa McCaffrey

Office Manager

Lisa McCaffrey is the Office Manager. She ensures that the team has everything they need to help their clients meet their retirement goals. Lisa is a graduate of Hope College and Michigan State University with degrees in Social Work. She has over 15 years of experience as an office manager in a financial setting. Lisa has been married to her husband Kevin for over 20 years. She loves the outdoors and enjoys bike riding, boating, trips to the beach, and playing music. She is also a member of the Grand Rapids Symphonic Band.

Meet Katy Payne

New Business Manager

Katy Payne is the New Business Manager. She is responsible for providing excellent customer service to new and existing clients as they start and continue their retirement journey. She holds a bachelor’s degree from Grand Valley State University in Psychology and Sociology. She has over 7 years of Customer Service and Data Management experience in the Non-Profit sector. Katy enjoys horseback riding, reading, cooking, and spending time by the water.

Meet Marsha Walsh

Director of Business Development

Marsha is the Director of Business Development. Marsha has over 25 years of experience in Sales/Marketing and Management in both Media and Retail, where her clients have become more like family or friends to her. Marsha is married to her husband Dave, and they have 2 adopted cats named Oberon (Obie) and Desmond (Desi). They live at River House downtown but spend many weekends up at their family cabin in Bellaire. She enjoys spending time with friends and family, traveling, boating, playing, or watching sports, baking, and adventuring through Grand Rapids. She is part of the Social Committee where she lives, is on the Harvest and Hops committee with the Crohn’s and Colitis foundation and is active in the community.

Meet Angela Smith

Director of First Impressions

Angela is the Director of First Impressions. Angela graduated from GVSU with a bachelor’s degree in Hospitality and Tourism Management and has over 15 years of experience in event sales and coordination. She and her husband Adam have been married 15 years and have 2 young boys. When not working, Angela can be found at any of her boys’ games cheering them on. She prides herself on her self-awarded title of World’s Best Snack Mom. 

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The Jacobs Financial Promise

To our clients, their families and everyone within the Jacobs Financial Community:

We believe you deserve to live your best retirement today, knowing that your money is safe regardless of what happens in the markets.

Our promise to you is simple. You can count on us to be on your journey with you.

You can count on us to challenge you to live the retirement dreams you have been planning for decades.

You can count on us to support you more than you have ever been supported.

You can count on us to build a plan that truly protects what matters most to you and your family.

We believe in living a stress-free retirement worthy of the sacrifices you’ve made to get here.

This is no longer a time for compromises, but a time for living your dreams.

You can live the best version of retirement and have fun doing it.

You can make your best years the ones in front of you.

You can spend your money and your time on your terms.

We are honored to be here for you, both in business and in life.

Together, we can and will create the retirement you, your family, and your legacy deserve.

March 29, 2023

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