Jim's Professional Bio

Jim Houghton, Wealth Management Advisor for Houghton Financial Services, has built a successful fee-based planning team with a rather simple philosophy, we can tell you what you need to do, but we can’t make you do it. Jim and his team design individualized financial plans that provide you with flexibility and the opportunity to take action. Houghton Financial Services has thrived because of Jim’s run-through-the-wall mentality for his clients. He intrinsically doesn’t want to let them down. In most cases, that is telling clients what they need to hear rather than what they want to hear.  It’s the number one reason why the work of Houghton Financial Services is valued by people considering retirement and people that are retired.

Houghton Financial Services starts by learning goals and dreams of the people that come to their office. Then, they run a financial analysis of their current situation and design a plan to realize those goals and dreams. It’s an approach that has resonated with business owners and executives who have little time for fodder. 

Professional Designations:

Retirement Income Certified Professional (RICP)

While many financial professionals are experts at wealth accumulation, there is an urgent demand for practical ways to structure effective retirement income plans. The risks clients face-economic and market uncertainty, inflation, outliving available income, changes in social safety nets, and rapidly escalating healthcare costs-mean financial professionals need all the latest thinking and techniques to serve their clients’ changing needs

Chartered Financial Consultant (ChFC®)

The Chartered Financial Consultant® (ChFC®) meets the advanced financial planning needs of individuals, professionals and small business owners with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.

Chartered Life Underwriter (CLU®)

The Chartered Life Underwriter® (CLU®) is the world's most respected designation of insurance expertise by providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients.

Chartered Advisor for Senior Living (CASL®)

More than 76 million baby boomers are quickly moving into retirement, and they need qualified retirement planning and income advice. Other designations provide a strong foundation for a broad range of financial planning concepts, but only the CASL® designation delivers the rigor and specialized knowledge to be truly effective in retirement planning.

Five Cities Financial

James E Houghton, CLU®, ChFC®, CASL®, RICP®
Co-Founder and Wealth Management Advisor

Five Cities Financial


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