Our mission is to provide the families and businesses we serve with innovative financial strategies, solutions, and planning that result in financial clarity, security, and overall financial health.
Making strong commitments to our clients and building life-long relationships are tenets of success atWealth and Retirement Strategies, Inc.
Wealth and Retirement Strategies, Inc. provides investors custom tailored strategies to meet short and long-term needs. Our goal atWealth and Retirement Strategies, Inc. is to help our clients realize their financial dreams by offering creative solutions through an open and transparent process utilizing innovative solutions to achieve financial independence.
We empower you to navigate today’s complex financial world. We customize a plan to fit your individual and family needs, as well as the needs of your small or large business.
Steve Vasgaard, RICP® President and Founder of Wealth and Retirement Strategies, Inc. and Wealth and Retirement Investments, Inc.
I began my insurance career in Charlotte, NC helping the self-employed obtain individual health insurance though the National Association for the Self Employed. I was successful as an agent and was promoted to sales manager to open an office in Nashville, TN. After a several years in this position I moved to the property and casualty business with Allstate. I pretty quickly discovered that the P&C business was not suited for me. I still hold my P&C license.
My next move in the industry was to Mass Mutual in Knoxville, TN. I was a career agent with them for five years. My specialty with Mass was family business succession planning. Just like I do today, I coordinated a team of advisors to help the family business with this vital planning.
Today I still work with all business owners with their special needs and opportunities. In 2001 I left MassMutual to start an economic based comprehensive retirement income planning for baby boomers and early retirees.
Retirement planning has gotten much more complicated than it was just a few years ago. In wanting to give the best advice possible, I have completed American College’s “Retirement Income Certified Professional” (RICP®) program. The 300+ hours I spent studying the retirement planning courses separates me from other advisors who say they do retirement planning but for whatever the reason are not dedicated enough to become certified in their chosen profession.
If you were going to have heart surgery would you use a heart specialist or a general practitioner? I am that specialist for your retirement income planning.
Retirement planning is best done with a team of other specialists coordinating their efforts’ for the betterment of the client. I have a coordinated with other strategic advisors to help design a macro retirement plan for you that will be second to none.
Patrick Carmichael, RICP® Managing Partner
Patrick Carmichael is the Managing Partner at Wealth and Retirement Strategies, Inc. and Wealth and Retirement Investments, Inc. He began his career in the insurance industry in 2010, with Sterling Insurance, helping people understand Medicare, Medicare Supplements, Medicare Advantage, and Life insurance, where he was promoted to Field Sales Manager after only six months. In 2012, he felt the desire to help people with their personal finances and started Strategic Wealth Management, an independent financial advisory firm. In 2015, he teamed up with Wealth and Retirement Strategies, Inc. as Managing Partner, where he is a comprehensive advisor with a team approach using CFA’s, CFP’s, CPA’s and attorneys as necessary. Patrick acts in a fiduciary capacity using the four P’s approach: Plan, Protect, Preserve and Peace of Mind. His specialty is retirement income planning – his job is done when his clients can go to sleep knowing that they have created a plan to help provide sufficient income for the rest of their life and there estate is protected.
Patrick is a graduate of the University of Tennessee, where he met his wife Courtney. They were married in 2009 and have 2 daughters – Anna Claire and Audrey Mae. Daddy daughter dates are one of his favorite activities. When he is not working or spending time with his family you will find him outdoors, usually at the family farm in Greenback, Tennessee – hunting whatever is in season. He also enjoys hiking fishing and spending time with friends.