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Charlton Riegner

Advisor Image
Charlton Riegner
Financial Associate
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FIC, BFA™
Part of the Coastal Financial Consultants practice
Higher Education Planning
Tax Efficient Planning
Young Families
Healthcare Professionals
Retirement Planning
Business Owners
About Charlton Riegner
About Charlton Riegner

Charlton Riegner brings a lifelong passion for teaching, mentoring, and serving others to his work as a financial professional. Before entering the financial services industry, Charlton spent many years in education, helping students learn, grow, and develop confidence in themselves. That experience continues to influence the way he works with clients today. He believes that understanding is one of the most important foundations for making good decisions, and he enjoys helping people navigate financial concepts in a way that feels approachable and meaningful.


At his core, Charlton is a relationship-driven person who genuinely enjoys getting to know people and hearing their stories. He finds purpose in helping individuals and families think through important financial decisions and create plans that reflect their values, priorities, and long-term goals. His patient, encouraging nature allows clients to feel comfortable asking questions and confident as they move forward.


Family has always been at the center of Charlton's life. He and his wife, Micah, are the proud parents of seven children and grandparents to four grandchildren. Whether it's celebrating milestones, attending family gatherings, or simply enjoying time together, Charlton treasures every opportunity to invest in the people he loves most. His experiences as a husband, father, and grandfather have shaped his perspective on life and reinforced the importance of preparing for the future while remaining focused on what matters most today.


When he's not working, Charlton can often be found cheering on the Georgia Bulldogs, following soccer and basketball, or spending time with family and friends. He enjoys the camaraderie that comes from sports, community, and shared experiences, and he values the relationships that have enriched his life over the years.


Known for his warm personality, servant's heart, and steady presence, Charlton is passionate about helping others feel supported, informed, and encouraged. Whether in his personal life or his professional life, he strives to live with integrity, faith, and a commitment to serving others well.

My qualifications
  • Bachelors of Chemistry, Armstrong State University
  • Masters, Georgia Southern University
  • Fraternal Insurance Counselor
  • Behavioral Financial Advisor™
  • Series 7 - General Securities Representative
  • Securities Industry Essentials
My state licenses
  • Alabama
  • Arizona
  • California(Insurance Lic. #4457426)
  • Colorado
  • Florida
  • Georgia
  • Iowa
  • Kentucky
  • Maryland
  • Minnesota
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • Texas
  • Utah
  • Virginia

Insights

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The People We Love Are Worth Protecting September is Life Insurance Awareness Month, and it's a reminder of why financial protection matters. For many of us, the motivation behind every financial decision isn't found in an account statement. It's found around the dinner table, at family gatherings, and in the moments we share with the people who matter most. Life insurance can help provide financial security for the people you care about most if the unexpected happens. It's about helping protect your family's future, preserving the goals you've worked hard to build, and creating confidence that loved ones will be cared for no matter what tomorrow brings. As your life changes through marriage, children, new careers, business ownership, or retirement planning, it's important to make sure your protection strategy keeps pace with those changes. This month, take a moment to ask yourself: If something happened to me tomorrow, would the people I love be protected? If you're not sure, let's have a conversation. ❤️ Protect what matters most. #LifeInsuranceAwarenessMonth #ProtectWhatMattersMost #FamilyFirst #FinancialPlanning #LifeInsurance #Thrivent #FinancialConfidence #LegacyPlanning #FamilyProtection Disclosure: Insurance products issued or offered by Thrivent. Not available in all states. Licensed insurance agents/producers are financial advisors. For additional licensing and disclosure information, visit Thrivent Disclosures. This is a solicitation for insurance. Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.
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My Mother Taught Me More About Money Than Any Class Ever Could Growing up in Ellabell, just outside of Savannah, financial literacy wasn't something that was taught in school. Instead, I learned about money by watching my mother. After my father passed away, she raised my sister and me on a cashier's salary and Social Security survivor benefits. Looking back, I realize she taught me lessons that went far beyond dollars and cents. I learned the value of hard work, sacrifice, resilience, and making the most of what you have. Years later, I attended Armstrong State College, where I met my wife, Micah. Over the last 30 years, we've raised seven children together. Along the way, we've experienced many of the same financial challenges and opportunities that families face every day: travel sports, saving for college, helping children become independent adults, celebrating weddings, and working toward our own retirement goals. Before becoming a financial advisor, I spent more than 20 years as a chemist and later earned a master's degree in education. Today, I have the privilege of combining those experiences by helping people understand financial concepts and make informed decisions about their future. As I've watched my children begin their own lives, I've become increasingly aware of the financial pressures facing young adults and growing families. Rising housing costs, childcare expenses, and concerns about student debt can make it difficult to know where to start. That's one reason I enjoy working with young professionals and families. I believe everyone deserves access to practical financial education and someone who can help them organize competing priorities into a plan that fits their life and values. What is one financial lesson you wish someone had taught you sooner?
How a term-to-permanent life insurance contract conversion works
How a term-to-permanent life insurance contract conversion worksLife changes—your life insurance can, too. Discover how converting a term policy to permanent coverage can offer lifelong protection.​
Office location
Savannah Location
785 King George Blvd Ste 205
Savannah, GA 31419
Phone912-547-5602Hours
M – F: 9 a.m. – 5 p.m.
Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Designations
For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations