About Curtis


Thrive Instructor Retirement Income Expert

Thrive Instructor
Retirement Income Expert

Jeremy from Sarasota, FL said:

"Curtis is not just an expert on the details of financial products and services. The real value he delivers to those who attend the program is the explanation of the innovative strategies he has developed that use these products in the most appropriate and advantageous ways in concert with one another to provide the greatest benefits possible to clients."

"You gain the ability to use Curtis's system to optimally structure a client's retirement cash flow and estate. You learn new ways of ensuring the health of a client's own financial future as well as that of their legacy."

"Curtis is a highly engaging speaker. I was worried that the complex, in-depth financial material that we would be covering would be boring and make me lose focus. Instead I found Curtis had a talent for keeping the conversations interesting, enjoyable, and relevant in a way that not only was I engaged I was craving more even at the end of an eight-hour session! I was eager to get back into it the following morning."

"Most other programs focus on the basics and every now and then will tread into more advanced topics. While people with a beginner's level of knowledge will absolutely learn a lot if they attend the program, it really starts at an intermediate level and only goes uphill from there. This program is perfect for the advisor that is looking for advanced level discussions about retirement income techniques. Those who want to take their level of knowledge to the next level."

Curtis Cloke is an award-winning financial advisor and retirement income expert, trainer, and speaker with over 25 years of experience in income distribution planning. Recognized in 2009 as a top-five finalist for Advisor of the Year by Senior Market Advisor magazine, Curtis provides world-class financial and insurance training workshops, seminars, and presentations on advanced retirement income-planning strategies and techniques.

Curtis actively engages all his audiences with his personable character and genuine care for clients' retirement needs and concerns. Through his extensive experience, he has perfected the ability to quickly and accurately identify the income needs of all his clients and he's developed a system-based sales approach that he teaches to advisors. Beyond using annuities to create guaranteed income for life, he shows advisors how to generate the maximum inflation-adjusted income for their clients using the least amount of the portfolio.

With a track record of spot-on media commentary, Curtis Cloke's expertise has been featured in Senior Market Advisor, InsuranceNewsNet, Retirement Income Journal, NAFA Annuity Outlook, The Wealth Channel magazine, DepositAccounts.com, LifeHealthPro.com, and many more. He is a frequent guest on radio and TV stations, has appeared as a guest on NAIFA ClientCast by Real Wealth® and as a guest presenter on their webinar series, Power Session LIVE by Real Wealth®.

The Fine Details...

Curtis is a member of the National Insurance and Financial Advisors Association (NAIFA), and is a former president of the Southeast Iowa Association. He is a member of the Society of Financial Service Professionals (FSP) and has an active financial practice. He is a 16 year MDRT member, a 3X Court of the Table and 8X Top of the Table qualifying Member. He has earned his CLTC (Certificate in Long Term Care) and LUTCF (Life Underwriters Training Council) designations, and moderates development courses for the Life Underwriters Training Council. He has also developed and provided continuing education training to professionals on many topics relating to retirement and estate- planning strategies. He is an adjunct instructor for The American College RICP® designation curriculum.

Curtis began his career as a financial professional with Prudential Financial. After many successful years with Prudential, he merged his practice with Cady Financial Solutions and Employee Benefits Systems (EBS) in 2004, where he continues to blend his expertise in financial planning and employee benefits solutions. The firm changed its name in 2007, becoming a member of Two Rivers Financial Group.

Curtis is the developer of the Thrive Income Distribution System®, a revolutionary system that provides a contractual solution for inflation-adjusted income utilizing the least amount possible of the client's portfolio value.