Peoples Financial Planning

People you can count on to help you retire your way

We know that solid financial planning is a key to success. That’s why we have the tools to help you plan for and achieve your goals. Start with a solid financial plan, stick to it, and your retirement goals can be within reach.

Peoples Financial Services is conveniently located right here in our Cuba branch. Invest with us. Whether you’re planning for retirement, a college education or any important purpose, we are here to work for you.

From retirement, educational, and financial planning to comprehensive portfolio management, our recommendations are made solely in the interest of providing the highest value of expertise and benefit to clients. We work hard to help clients pursue financial goals by designing strategies to mitigate risk.

Joshua Goodridge has over fifteen years of financial services experience and serves as Financial Advisor and Branch Manager of Raymond James at Peoples Bank. He is president of Peoples Financial Services, a subsidiary of Peoples Bank.

Joshua has been married to his wife, Trisha, for over 25 years, and together they have four children: Eleanor, River, Keiran, and Ezra. When he isn’t helping clients solve life’s biggest financial puzzles, he enjoys playing the drums, watching movies, discussing current musical artists with his kids, and seeking out new and exciting culinary experiences with Trisha.  His son, Keiran, is deeply devoted to musical performance as a percussionist and drum-line leader and Joshua supports the St. James Red Regiment High School Marching band by pulling trailers to competitions, cooking for the kids, and anything else they may need during the marching band season.  Beginning January 2025 Joshua also proudly serves on the Board of Directors for his family’s home town of the last ten years—beautiful St James, Missouri.  He is honored to help promote chamber member businesses in St James and the surrounding communities.

As a former small business owner he is uniquely equipped to understand the unique needs of other small business owners. He understands the challenges entrepreneurs face and can use that experience to help others better prepare for their financial futures.  As a Chartered Financial Consultant® he primarily works with high net worth individuals and families as well as owners of successful, closely held businesses that need guidance on asset management, tax planning, business exit planning, and estate planning.  As a Retirement Income Certified Professional® he helps provide clarity and certainty to those in the final years of their career who want to make sure they fully prepared for the retirement transition.  For those already enjoying retirement, he can help create a retirement income strategy that addresses social security planning, health care, long-term care planning, longevity, and legacy planning while maximizing tax-efficiency through a rigorous tax-planning process.

Joshua holds the Chartered Financial Consultant® and Retirement Income Certified Professional® designations through the American College of Financial Services®. The ChFC® professional is prepared with the essentials of financial planning, including insurance, income taxation, retirement planning, investments, and estate planning, Study areas include behavioral finance, financial planning for families with special needs dependents, small business planning, financial planning for clients in diverse communities, financial planning for divorce, and more.

ChFC® credential holders have an in-depth knowledge in:

• The financial planning process, including the role and responsibilities of a financial consultant
• Risk management strategies, including mitigating the risks associated with insurance, human capital, liability, property, and wealth management
• Income tax strategies, including planning for deductions, tax credits, capital gains and losses, taxation of life insurance, annuities, and partnerships, LLCs, corporations, and proprietorships
• Retirement planning strategies, including choosing between and working with SEPs, SIMPLEs, IRAs, Roth IRAs, 403(b), and nonqualified deferred compensation plans
• Investment strategies, including issues pertaining to return computations, diversification, securities markets, tax issues, portfolio management, and ethical practice
• Estate and gift-tax planning strategies
• Personal financial planning strategies
• Specialized strategies, including aiding divorcees and blended families, financial planning for families with special needs, serving non-traditional families and LGBTQ clients, addressing the unique challenges associated with modern retirement income portfolios, and applying behavioral finance strategies as a chartered financial consultant

The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy.

The program, developed by more than 45 of the nation’s top financial retirement advisors, provides RICP® credential holders with best practices in areas including:

• Social Security claiming
• Evaluating and addressing risks faced in retirement financial planning
• Choosing distributions from employer sponsored retirement financial plans
• Medicare and other health insurance choices
• Planning for long-term care needs
• Choosing appropriate housing
• Retirement income tax and legacy planning

The American College of Financial Services is the premier educational institution dedicated to the development of financial services professionals. Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve.

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Samantha Garrison joined Raymond James at Peoples Bank in 2017 and serves as Financial Advisor with special focuses on asset protection and risk management.  Samantha is a loving, devoted mother to her daughter, Blake and their two dogs, Daisy & Finn. They currently live in Rolla and are actively involved in many of the surrounding communities. Samantha serves as a board member for the Crawford County Foundation since joining in 2021. Crawford County Foundation is a charitable organization that has given back more than $5 million in grants to the Crawford County communities, a cause near and dear to Samantha’s heart. She is also a member of Impact 100 Crawford County, a woman centered giving group that has focused on making a difference in the Crawford County area. Samantha is a member of the local Cuba Chamber of Commerce and active participant in the Friday Backpacks for Cuba program. Samantha and Blake are passionate about education and are deeply rooted in Blake’s elementary school. In her spare time, Samantha enjoys traveling to new places with Blake and spending quality time with family and friends.

Before finding her passion for financial planning and risk mitigation techniques, Samantha received an associate degree from Metro Business College and was awarded the Accredited Asset Management Specialist Designation from the College for Financial Planning. Samantha also holds the Certification for Long-Term Care. The CLTC® Certification for Long-Term Care focuses on the discipline of extended care planning and provides that individuals with the certification are highly educated about the severe consequences a need for long term care over an extended period of years would have, not on their client, but on the emotional, physical and financial wellbeing of those the client loves. The goal is to give the certificate holder the proper skill set to discuss those consequences, offer a plan to mitigate them, and when appropriate, recommend long-term care insurance as a funding source for that plan.

Samantha also holds the coveted Chartered Life Underwriter® designation through the American College of Financial Services®.  Life insurance is a vital part of holistic financial planning for both individuals and businesses, with its application as a key part of goal-based planning, business continuity, employee benefits, and estate planning. A Chartered Life Underwriter® (CLU®) is a financial professional with extensive knowledge of the life insurance industry and the underwriting process as well as an in-depth understanding of the practical, legal, and ethical aspects of life insurance and its techniques and tools. This means a CLU® has obtained a level of life insurance expertise that far exceeds general insurance understanding and basic life insurance underwriting requirements.

The CLU® certification gives financial advisors:

• In-depth understanding of life insurance’s intricacies and applications to meet client goals in financial planning, estate planning, business continuity, key person, and related employee benefits.
• The necessary knowledge to help clients and investors address their estate planning needs
• An understanding of personal finance solutions addressing the life insurance underwriting needs of business owners and professionals

Raymond James is not affiliated with the above independent or charitable organizations.

Raymond James is not affiliated with the above independent or charitable organizations.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

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Check the background of Raymond James Financial Services, Inc. on FINRA’s BrokerCheck

Address:
701 N. Franklin St.
Cuba, MO
65453

Phone: (573) 885-2511

*Securities offered through Raymond James Financial Services, Inc., member FINRA SIPC, marketed as Peoples Financial Services and are not insured by any bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Peoples Bank and Peoples Financial Services are separately owned and operated and not independently registered as broker-dealers or investment advisors. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
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