Rick Hughes is a graduate of Bryan College where he earned a Bachelor of Science in Education, and later he received his Master of Science degree at the United States Sports Academy. Recognized as one of the top retirement professionals in the area, Rick has helped many individuals and families in Tennessee, Georgia, and Alabama prepare for a more secure retirement. He works exclusively with seniors and retirees to find solutions to help them enjoy their retirement years.
Rick has pioneered strategies that help protect his clients from volatile and risky financial investments while also helping them grow their retirement income. His main interest is helping his clients reduce their taxes. Rick offers many low-risk and potentially risk-free strategies that can help lower a tax bracket or, in many cases, obtain a zero percent tax bracket in retirement.
Rick is an Investment Advisor Representative and has the Series 65 securities license. He also has his Life and Health insurance licenses and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life insurance.
Rick offers financial commentary and advice to the community through radio, events, and seminars and has also had articles published in Money Magazine, Fortune Magazine, and on the Annuity 123 blog.
Together, Rick and Granger host a local radio show, “Retirement Playbook,” Saturdays at 8:00 a.m. and Sundays at 6:00 a.m. on Mix 104.1 FM, Saturdays at 11:00 a.m. on Talk 101.3 The Buzz, and Sundays at 8:30 a.m. on Talk Radio 102.3 FM.
They both reside in Cleveland, Tennessee with offices in Knoxville, Cleveland, and Chattanooga, Tennessee and Birmingham, Alabama.
Granger Hughes began his career in 2009 after becoming a licensed insurance agent. He graduated with honors with a Bachelor of Science in Business Administration from Lee University. Granger is an Investment Advisor Representative and has the Series 65 securities license. He has Life and Health insurance licenses as well and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life insurance.
Granger uses a tax-sensitive, holistic approach by offering suggestions and alternatives on ways that his clients can protect, preserve, accumulate, and distribute money. He prides himself on how he looks at the big picture by assessing all buckets of money and allocating them to the appropriate tax-advantage status. He can assist his clients in reaching a lower tax bracket — and in many cases, a zero percent tax bracket — in retirement. He can also provide strategies that are potentially risk-free or offer a limited risk. Granger utilizes a scientific approach by analyzing portfolios through standard deviation, correlation matrix, and risk reward.
Granger offers financial commentary and advice to the community through radio, events, and seminars. He has also had articles published on the Annuity 123 blog.