Andrew Kinney is a Retirement Management Advisor® (RMA®) based in Edwardsville, IL, with over 40 years of experience helping families manage their financial affairs. Specializing in retirement income planning, Andrew focuses on building sustainable income strategies for retirees and those planning to retire within the next 15 years. His expertise lies in "decumulation"—the art of generating income for life during retirement.

Andrew employs an Income for Life Model®, a strategy designed to provide inflation-adjusted income throughout retirement. By allocating assets strategically, this model emphasizes long-term income streams that can help retirees navigate the challenges of increasing longevity and uncertain taxation. As more Americans rely on personal savings to create their retirement income, Andrew's approach ensures a stable, sustainable income for the future.

With a diverse background in financial services, Andrew's career spans 18 years in full-service lending, 6 years in wholesale mortgage lending, and 15 years as a Retirement Income Partner. His transition to independent financial advising in 2007 allowed him to offer client-centric solutions, focusing on risk-based tactical money management.

Andrew's credentials include the RMA® designation, obtained in 2014, and certification in Medicare Solutions since 2017. His comprehensive retirement planning services address the top financial concerns of retirees and pre-retirees, including maximizing Social Security income, managing risks such as inflation and healthcare, and creating an income stream that lasts a lifetime.

A resident of Edwardsville for 32 years, Andrew has been married to his wife Zy for 36 years. They have two daughters, Kara and Rachel. and 2 granddaughters. Andrew's philosophy of independence ensures that he operates with a fiduciary duty, prioritizing his clients' best interests and focusing on managing relationships rather than just money.

Additional Location:
223 N. Main St. Suite #9
St. Charles MO 63001
618-407-0592

Securities offered through J.W. Cole Financial, Inc. Member FINRA/SIPC. Advisory services offered through J.W. Cole Advisors, Inc. J.W. Cole Financial Inc., J.W. Cole Advisors, Inc. Advisors must be properly registered in the state where you live in order to conduct securities related business with you.

Contact Andrew today to discuss your retirement planning needs in Edwardsville, Illinois.

Financial Advisors in Edwardsville

Andrew J. Kinney