The Complete Cardinal Guide to Planning for and Living in Retirement

We help you embrace the 7 worries in retirement.

7 Worries Solution

Trusted Advice on Solutions for the 7 Worries

Retirement brings change. Cardinal is here to give you a roadmap to navigate these changes, especially when it comes to your money and legacy. There are 7 worries that retirees, or future retirees, come to us with for help.

  1. Social Security
  2. Medicare
  3. Long Term Care
  4. IRAs, 401k, 403b
  5. Life Insurance & Estate Planning
  6. Retirement Income & Investment
  7. 62+ Taxes

Hear From The Experts

Finishing Well Podcast

Discover The Books

Hans Scheil, the CEO of Cardinal, has published two books that break down the financial complexities of retirement. Simple to understand, the first book, “The Complete Cardinal Guide to Planning for and Living in Retirement” provides guidance through real-life client stories Hans has experienced over his 40+ years of working.

The workbook was subsequently published to offer readers a breakdown of products and prices as solutions to the stories in the first book. Together, they give readers a great starting point to plan their finances in retirement.

The Complete Cardinal Guide gives you the tools you need to make informed decisions about your retirement.
Learn More

The Learning Center

View All Resources
  • Income Taxes

Understanding the 2025 Tax Brackets: A Guide to Smarter Retirement Planning

  • Life Insurance and Estate Planning

Understanding Federal Estate Tax Changes: What You Need to Know

  • Long-Term Care

Tom and Chelsey’s Journey: Securing Their Future with Hybrid Life/Long-Term Care Insurance

  • Social Security

Maximizing Social Security Benefits: A Strategic Approach for Tom and Chelsey

  • IRAs

Exploring Roth Conversions: A Strategic Financial Planning Case Study

  • Retirement Income

Planning Your Retirement Income: Meeting Needs, Wants, and Avoiding Running Out of Money

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It’s About You

At Cardinal, we want to get to know you. We don’t believe in a one size fits all approach. All our recommended solutions are personalized based on your situation. We educate before recommending solutions, taking care along the way to make sure you understand all the pieces of your retirement plan, from your Medicare coverage to your Social Security plan.

We work for you, not the insurance company. As an insurance brokerage, we represent a multitude of insurance companies, giving us the unique ability to shop around and find the best solution for your bottom line, not our bottom line.

Your goals become our goals – it’s that simple.
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Call Us: 919-535-8261

Durham Office
2530 Meridian Parkway, Suite 100
Durham, NC 27713
(919) 535-8261

Charlotte Office
8307 University Executive Park Dr, Suite 252
Charlotte, NC 28262
(704) 412-6494

Greensboro Office
6520 Airport Center Drive, Suite 100
Greensboro, NC 27409
(919) 535-8261

Medicare experts paired with financial planners –  required to put our clients first. ©2022 Cardinal Advisors 

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Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Cardinal Advisors are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered by Brookstone Capital Management. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Cardinal Advisors is not affiliated with or endorsed by the Social Security Administration or any other government agency. Any review of “The Complete Cardinal Guide” is specific to the book and is not an endorsement of the advisor. 
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Ansylla Ramsey

OFFICE ADMINISTRATOR

After 17 years as a hairstylist and salon owner, Ansylla joined the Cardinal Advisors’ team in April 2024.

She enjoys learning languages and is always planning her next international travel destination. 

Caleb Bartles

Life, Accident & Health insurance

Caleb Bartles obtained his Life, Accident & Health insurance licenses in the summer of 2024, and joined Cardinal Advisors’ team soon thereafter. Caleb previously served on active duty in the United States Air Force from 2012-2017, and graduated from Appalachian State University in 2020 with a B.S.B.A. in Computer Information Systems. After a few years working in the software industry, Caleb decided to make a career change to pursue his passion for finance and insurance.

Caleb lives in Fort Mill, SC with his beloved wife Jessica and two cats, Sméagol and Rosie. In his free time, he enjoys running, skiing, video games, going to concerts, and cheering for the Green Bay Packers.

Daphne Sutton

ADVISOR

Daphne started at Cardinal Advisors in 2024. She has been in the insurance field for about 5 years.
 
Originally from Tacoma, WA, she moved to Nc in 2005. When Daphne isn’t working, she spends time with her kids and makes body butter.

Tommy Fallon

ADVISOR

Tommy joined our Charlotte office after moving there in March with an interest in retirement planning. After graduating from NC State in 2022 with a Masters in Accounting, he worked in public accounting for some time and earned his CPA license. He is currently working on obtaining his NC Health, Life, and Medicare Supplement licenses. 

Tommy grew up in New Jersey, but has been living in North Carolina for the past 10 years. He enjoys skiing in the winter, going to the beach in the summer, and exercising during his lunch break.

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