Understanding Today’s Financial Environment
I’m David Cutshall, your financial professional in the Sioux Falls and Brookings, SD area. With most things in life, the key to achieving your long-term financial goals is planning. As a Certified Financial Planner (CFP®) with almost 30 years’ experience in financial services, I understand that individuals face unique challenges as they prepare for retirement. My specialty is ensuring that you never run out of money in your retirement years. I’m here to help you identify your financial needs and determine which financial products will meet your objectives.
Your purpose may be a secure retirement, funding your children’s college education, or protecting your family during the working years. You can benefit from my experience and knowledge to help your short or long term goals be realized.
If you want safer assets than what is found in the stock market, we can discuss various fixed index annuities that can also have a future lifetime income approach, with no market risk. The key is to match what you want or need to the appropriate asset or investment.
Finding the right financial advisor can make a big difference to your financial future. I provide the personalized service only a small firm can deliver, addressing your needs of today and for many years to come. If you are just starting out or perhaps need a second opinion, I will have a private, confidential visit with you at no cost or obligation. I look forward to working with you through all stages of your life. Please call (605) 271-8293 or email me at david.cutshall@ceteraadvisors.com
Helpful Content

Comparing Mortgage Terms
Estimate the total cost in today's dollars of various mortgage alternatives.

The History of Currency
Currency has been around for a long time. Here’s a quick history lesson.

Weighing the Benefits of Prepaid Debit Cards
It's important to understand the pros and cons when considering a prepaid debit card.
Moneywoman: Unleash Your Inner Financial Superhero
The first National Women’s Equality Day was in 1971. Women couldn’t get credit cards in their own name back then. And if a woman became pregnant, she could be legally fired. Thankfully, a lot has changed, but some things haven’t. Women still do not receive equal pay for equal work. The gap is roughly 20%1, and women continue to live longer than men, now by an average of seven years.
Why Regular Rebalancing Makes Sense
Without your knowing, your investment portfolio could be off-kilter.
Ask a Financial Professional: I Got a Big Raise. Now What?
You got a pay raise – what should you do with it? Find tips on how to avoid tax surprises and lifestyle creep, and why paying
You’re Not an ATM: 5 Tips for Teaching Your Kids the Value o
“Mom, can I have five bucks?” These words will be heard by all parents at some point. Every parent must decide...
Tips to Create a More Effective and Efficient Virtual Team
March 2020 brought with it a tidal wave of unforeseen changes — to both our workforce and economy. Ready or not, a huge number of businesses had to pivot quickly to a 100% work-from-home model to keep their employees safe and their operations moving.
Retirement Plan Choices for Small Businesses
Retirement choices can be intimidating. Picking the right strategy.
View all articles 
Paying Off a Credit Card
Enter various payment options and determine how long it may take to pay off a credit card.
Tax Freedom Day
Assess how many days you'll work to pay your federal tax liability.
Home Mortgage Deduction
Use this calculator to assess the potential benefits of a home mortgage deduction.
Disability Income
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Saving for Retirement
This calculator can help you estimate how much you may need to save for retirement.
Impact of Taxes and Inflation
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
View all calculators 
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
Principles of Preserving Wealth
How federal estate taxes work, plus estate management documents and tactics.
View all presentations 
The Cycle of Investing
Understanding the cycle of investing may help you avoid easy pitfalls.
The Business Cycle
How will you weather the ups and downs of the business cycle?
When Do You Need a Will?
When do you need a will? The answer is easy: Right Now.
When Markets React
When markets shift, experienced investors stick to their strategy.
Leaving Your Lasting Legacy
Want to do more with your wealth? You might want to consider creating a charitable foundation.
A New Way to Look at Your Bucket List
Bucket lists don’t have to be for tomorrow.