Your financial questions answered

At every stage of life, you'll have questions about your money and how to make the most of it. At Capitol Region Group, our team of professionals are here to help.


  • Retirement income planning
  1. How do I turn my 401K into a guaranteed income stream?
  2. How much can I spend each year?
  3. Do I have enough?
  • Investment guidance
  1. How fast should I drive (your stock/bond mix) with my money?
  2. Am I invested in the right funds and what changes should I make given the current environment?
  3. What if the markets crash?
  • Legacy/estate strategies
  1. How much tax will go to the government when I die? 
  2. Why isn’t it a good idea to leave my IRA to my kids?
  3. How much can I leave as a legacy? What are the best strategies to do this?
  • Tax efficiency
  1. Why do taxes matter?
  2. How can I save on taxes now and in the future?
  3. What are the best strategies to optimize taxes?
  • Protection strategies
  1. If I’m investing now, why is life, disability income, and extended care insurance important?
  2. What happens to my family when I pass away or need care?
  3. How can insurance best protect my family and finances?
  • Education funding strategies
  1. How do I find a good fit for my child academically and a good fit for our family financially?
  2. How does the process work – are there mistakes that I can avoid that will cost me money that I need to be educated on?
  3. If my child is young what is the best way for me to get prepared in advance for this cost? In other words, what is the best way to save?

Why should you work with a Financial Advisor?

The question we would encourage you to ask:Do I have the time, skill, and passion to do my own financial planning? If you’re not sure, you may want to consider at least talking with a financial advisor to see how they might be able to help.


Three things to look for in a Financial Advisor:

  1. What are their bedside manners? Are they easy to talk to?
  2. Are they competent? What are their credentials?
  3. Have they communicated a clear plan of service going forward?

How are we different from other Financial Advisors?

  1. Embracing a culture of service excellence through a client-first mentality.
  2. Working as a multi-expert team to provide our clients with the most insightful guidance.
  3. Leveraging technology through a culture of innovation, making it easier to connect with clients virtually.

How do we approach working with our clients? We Call it the three E's of client value:

  1. Educate: Keeping our clients informed.
  2. Empower: Compassionately guiding our clients.
  3. Execute: Assisting our clients to achieve their goals.
Image

2023 Iron Sharpens Iron

(Photographed with his son, Max): Sam Chang, featured speaker of the 2023 National Men's Equipping Conference.

Image

Client spotlight: Don and Cathy Mann

Q. What was your career before retirement?

Don and Cathy Mann met in 2017, with their careers being the first noted connection. Don was a Neuroscientist and Director of Clinical Development on his way to Italy to meet with Epileptologists involved in his final clinical study for patients with epilepsy, ages 4 years old and younger. He would be returning to the American Epilepsy Society Meeting, the same meeting which Cathy coordinated registration for over 15 years. Don and Cathy went to the American Epilepsy Society in 2018 for Don’s final presentation on the success of his clinical study findings. In 2019, Don retired, and the happy couple joined forces in retirement and marriage.

Q. What constitutes a “perfect” day?

A perfect day is spent together at their home by the water with family and BBQ. The couple also enjoys traveling in their RV with days of riding E-Bikes through trails or having water rushing at them on the beach. Every day is a perfect day together.

Sam Chang

Sam Chang

CFA®

Expertise: Investment Management

Title

Wealth Advisor

State(s) Licensed
CT, FL, IN, MA, ME, NC, NH, NV, NY, PA, SC, VA, VT,
Website
https://connect.thrivent.com/sam-chang
Phone
(860) 474-3601
Jim Clouser

Jim Clouser

CFP®, FIC, RICP®, CKA®

Expertise: Financial Planning

Title

Financial Advisor

State(s) Licensed
FL, MA, ME, NH, PA, VT,
Website
https://connect.thrivent.com/jim-clouser
Phone
(781) 577-2181
    Kathy Crager

    Kathy Crager

    RICP®

    Expertise: Legacy and Protection Planning

    Title

    Financial Advisor

    State(s) Licensed
    AL, CT, FL, IN, KY, MA, ME, MI, NH, OH, PA, SC, VT,
    Website
    https://connect.thrivent.com/kathy-crager
    Phone
    (260) 450-5466
      Soren Lancaster

      Soren Lancaster

      Expertise: Retirement Income and Tax Planning


      *Although Soren is not a member of Capitol Region Group, he partners with the team with retirement income planning joint field work. To learn more about Soren, please visit his website at: https://connect.thrivent.com/soren-lancaster/.

      Title

      Financial Advisor

        Hannah Magrum

        Hannah Magrum

        Expertise: Special Needs Planning


        *Although Hannah is not a member of Capitol Region Group, she partners with the team with special needs planning joint field work. To learn more about Hannah, please visit her website at: https://connect.thrivent.com/hannah-magrum/.

        Title

        Financial Advisor

        Phone
        (330) 606-8645
          Jacob Kinney

          Jacob Kinney

          FIC

          Expertise: Long-Term Care Planning

          Title

          Financial Associate

          State(s) Licensed
          CA Insurance Lic. #4099641 , CT, FL, IN, MA, MD, ME, MI, NC, NH, PA, TN, VT,
          Website
          https://connect.thrivent.com/jacob-kinney
          Phone
          (860) 474-3602
            Bill Bufkins

            Bill Bufkins

            Expertise: College Planning


            *Although Bill is not a member of Capitol Region Group, he partners with the team offering his specialized guidance to clients seeking education planning. To learn more about Bill, please visit his website at connect.thrivent.com/william-bufkins/.

            Title

            Associate Financial Advisor

              Jordan Brandon

              Jordan Brandon

              Expertise: Financial Planning


              *Although Jordan is not a member of Capitol Region Group, he partners with the team offering his specialized guidance to clients seeking wealth accumulation. To learn more about Jordan, please visit his website at connect.thrivent.com/jordan-brandon.

              Title

              Associate Financial Advisor

              Phone
              (860) 308-3149
                Jennifer Valliere

                Jennifer Valliere

                Expertise: Financial Planning


                *Although Jennifer is not a member of Capitol Region Group, she partners with the team offering her specialized guidance to clients seeking wealth accumulation. To learn more about Jennifer, please visit her website at connect.thrivent.com/jennifer-valliere.

                Title

                Financial Associate

                Phone
                (321) 557-6395
                  Cindy Clark

                  Cindy Clark

                  Expertise: Client Engagement

                  Title

                  Office Professional

                  Phone
                  (959) 230-0055
                    Whitney Small

                    Whitney Small

                    Expertise: Digital Marketing Integration

                    Title

                    Office Professional