Studle Financial Services · Bowling Green, Kentucky
Retirement questions,
answered plainly.
Family-owned since 1985. We sit down with you, walk through what you actually have, and sort out the right next step — no pitch, no pressure, no pretending it’s simple when it isn’t.
164 Old Porter Pike · 270.438.2611
1985
Family-owned, forty years in
$340M+
Trusted to us by Kentucky and Tennessee families
Most
of our new clients are sent by someone who told a friend
Happening at Studle
Free · Open enrollment Oct 15–Dec 7
The Medicare Playbook
Five pages on the parts, the deadlines that carry penalties, and 2026 costs. Read it before the mailers pile up.
Halloween
Money isn’t scary.
Free coloring sheets for the kids, spooky graphics to share, and a few calm money conversations for the grown-ups.
Go Tops
Proud partner of WKU Athletics
Look for Studle on University Boulevard this football season and at WKU baseball and softball home games.
Today’s rates
Fixed annuity rates change often. Here’s where two common terms sit right now — and we’ll walk you through what they mean for your situation.
As of April 1, 2026. Rates move often — call 270.438.2611 for today’s.
Rates as of the date shown and subject to change without notice. Rates vary by insurance carrier, product, premium amount, and state, and the rate you receive is set by the contract you sign. A MYGA (multi-year guaranteed annuity) is a fixed annuity contract; its guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Surrender charges and holding periods apply. Annuities are not bank deposits and are not FDIC insured.
What we help with
The most common things people bring through the door. Most conversations touch two or three.
Retirement Planning
Where you are, where you want to be, and the plain steps between them.
401(k) Guidance & Rollovers
Changing jobs, retiring, an in-service rollover at 59½, or an ESOP payout — what your options really are.
Retirement Income & Annuities
Turning what you saved into income you can count on, with the tradeoffs spelled out.
Social Security
When to start is a real decision. We’ll walk through the math with you.
Inherited IRAs
The rules changed. The clock is running. Here’s what to know before you touch it.
Business & Farm Transitions
Selling, passing it down, or stepping back — without handing the gain to the wrong place.
How a conversation goes
1
We listen first.
Before any product comes up, we want to know you: what the money is for, what worries you, and what you hope the next few years look like.
2
We walk through it together.
What you have, what it’s doing, and what your options are — in plain English, with the tradeoffs on the table.
3
You decide.
Sometimes the right next step is a change. Sometimes it’s leaving things alone. Either way you leave understood, not overwhelmed.
Six questions every retirement plan has to answer
Most plans answer two or three and hope about the rest. We go through all six, in order, in plain language.
How long does the money need to last?
People are living longer. A plan that works to 80 and quits at 90 isn’t a plan.
Longevity
What if you need cash in a hurry?
Some accounts lock the door for years. You should know which ones before you need them.
Liquidity
What will things cost in twenty years?
A fixed income and rising prices don’t get along. We plan for that instead of hoping.
Inflation
What happens to your income if the market drops?
It’s not the average return that hurts — it’s a bad year right when you start drawing.
Market risk
What happens to your spouse if something happens to you?
Pensions, Social Security and accounts all treat a surviving spouse differently. Worth knowing now.
Mortality
How much of it goes to taxes?
Where the money sits decides what you keep. That’s the tax conversation, and it’s a planning one.
Taxation
Guides you can read tonight
Plain-English guides on the questions we get asked most. Ron’s Playbooks live here too — same answers, a little more fun.
The Social Security Playbook
When to start is the biggest decision of your retirement. One way of thinking it through — with the actual math.
The Medicare Playbook
Parts A–D, the deadlines that carry penalties, 2026 costs, and the faults that catch people off guard. Free, five pages.
The Inherited IRA Playbook
The 10-year clock, the spouse exception, and the mistakes that can’t be undone.
Who you’ll be talking to
Real people helping real people.
We’re a family business at 164 Old Porter Pike. Many of us didn’t start in finance — we came from farms, classrooms, small businesses and shop floors, which is most of who walks in.
Ron started Studle in 1985, and the team he’s built since is the reason it still works. You’ll get to know the people who matter to your situation by name.
Community
Forty years in, we still show up.
The Studle Foundation’s ASDrive Golf Scramble for autism awareness and WKU’s Kelly Autism Program, our WKU Athletics partnership, and Halloween with the neighbors.
Someone in your corner.
A conversation costs nothing and commits you to nothing. Bring your statements, your questions, or just a hunch that something could be working better.
Or call 270.438.2611 — a person answers.
Lighting the way to a brighter financial future.
Family-owned since 1985. Real people helping real people across Kentucky and Tennessee.
Services
Studle
Visit or call
164 Old Porter Pike
Bowling Green, KY 42103
270.438.2611
Fax 270.495.3888
Monday–Friday, 8:30–5:00
Studle Financial Services provides financial guidance and insurance products to families and businesses in Kentucky and Tennessee. Information on this website is for educational purposes and is not individualized advice. Your situation is unique — please talk with a licensed professional before making financial decisions.
Tax preparation and filing services are provided by Studle & Associates. Studle Foundation is the charitable arm of the Studle family of companies.
© 2026 Studle Financial Services · 164 Old Porter Pike, Bowling Green, KY 42103 · Privacy Policy · Disclosures · Accessibility