Manage HR Magazine: Specials Magazine

Retirement planning is often a complex, overwhelming journey. For many, it feels like an uncertain road filled with financial jargon and shifting economic landscapes. At Retirement Nationwide, the goal is simple: provide security, clarity, and confidence to individuals navigating their financial futures. Retirement Nationwide was founded in 1985, under the leadership of President/CEO Jim Lusk, CFP, CLU, ChFC, CLF. Unlike firms that focus primarily on aggressive investment strategies, Retirement Nationwide emphasizes a defensive planning approach that prioritizes risk mitigation and asset protection. “We have developed strategies that allow pension holders to provide for their survivors without taking a significant reduction in their own pension benefits,” says Jim. “This approach sets us apart from traditional financial advisors and makes us a valuable resource for clients seeking comprehensive retirement solutions.” A Personal Mission For Jim, retirement planning isn’t just a business—it’s personal. His journey into financial services began over four decades ago, driven by a desire to help people make better financial choices. Early in his career, Jim witnessed firsthand how improper planning left families vulnerable, often forcing them to make devastating sacrifices after the loss of a loved one or a sudden economic downturn. He knew there had to be a better way. That mission became even clearer when he saw close friends and colleagues struggle with pension decisions. Many were forced to choose between receiving full benefits during their lifetime or significantly reducing their pension payouts to ensure their spouses had financial support after they passed. Determined to find a solution, Jim explored alternative strategies that would allow individuals to maximize their retirement benefits without unnecessary risk. That’s how Retirement Nationwide was born—a firm built on a foundation of financial security and peace of mind. When Jims sister, Vice-President/CFO Peggy A Lusk, CLTC, CPA-Retired, joined the firm; She brought another layer of expertise. With a background in auditing, forensic accounting, and tax planning, she recognized the hidden financial pitfalls that often went unnoticed in traditional retirement planning. “Together, we set out to redefine how people approach retirement, ensuring that every client receives a customized, strategic plan that safeguards their financial future,” says Peggy.