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 Registered Representative with 35 years of 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

The Power of Compound Interest
Learn how to harness the power of compound interest for your investments.

The Lowdown on Those Free Credit Scores
What’s the deal with your yearly free credit report?

Personal Finance Tips for Military Families
Military families face unique challenges, making personal finance even more critical.
You May Need to Make Estimated Tax Payments If…
Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.
The Economic Journey of Your Morning Coffee
Few contemplate the complex journey that brought their coffee from farm to kitchen table.
Please Leave Home Without It
Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.
Qualifying For Medicare Under Age 65
You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.
Starting a Roth IRA for a Teen
This early financial decision could prove helpful over time.
What's My 2023 Tax Bracket?
Check out this handy reference of updated ranges from the IRS in case your designated bracket has changed.
View all articles 
Contributing to an IRA?
Determine if you are eligible to contribute to a traditional or Roth IRA.
What Is My Risk Tolerance?
This questionnaire will help determine your tolerance for investment risk.
Saving for College
This calculator can help you estimate how much you should be saving for college.
Social Security Taxes
Estimate how much of your Social Security benefit may be considered taxable.
My Retirement Savings
Estimate how long your retirement savings may last using various monthly cash flow rates.
Federal Income Tax
Use this calculator to estimate your income tax liability along with average and marginal tax rates.
View all calculators 
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Principles of Preserving Wealth
How federal estate taxes work, plus estate management documents and tactics.
View all presentations 
A Bucket Plan to Go with Your Bucket List
A bucket plan can help you be better prepared for a comfortable retirement.
What Can a Million Dollars Buy You?
$1 million in a diversified portfolio could help finance part of your retirement.
Tuning Your Social Security Benefit
When should you take your Social Security benefit?
Retiring the 4% Rule
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.
When Do You Need a Will?
When do you need a will? The answer is easy: Right Now.