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 Creating and Preserving Wealth Through Planning, Investments, and Insurance.

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Our mission is to provide financial services to the public through trained and skilled professionals and to offer a variety of quality products and services that serve the best interests of our clientele. 

Plan

Plan

Implement

Implement

Monitor

Monitor

Schedule Your Free Meeting Today!

 

Interested in Opening an Account?*

We offer 2 options for your convenience:

Prefer a more personal experience? We offer investment products, insurance products, financial planning and more!

Click here to schedule your free consultation TODAY!


Prefer a quick digital experience? Open an Individual account, Traditional IRA or Roth IRA with as little as $5,000.

Click here to watch an introductory video

Voya Digital Adviser

Open an account with just
$5,000

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*See the states we are registered in at the bottom of our page.

Cantrell Financial Services will develop an overall planning strategy to fit your needs as well as your resources.

Financial and Estate Planning

  • Investment Needs Analysis
  • Risk Management Analysis
  • Wealth Transfer Analysis & Methodology 
  • Portfolio Management Programs 
  • Trust Management*

*The use of Trusts involves a complex web of tax rules and regulations. You should consider the counsel of an experience estate planning professional before implementing such strategies. 


Retirement Planning

  •      401K's 
  •      403B's
  •      412's
  •      IRA's
  •      Roth IRA's
  •      Profit Sharing
  •     Simplified Employee Pensions
  •     Non Qualified Deferred Compensation Plans

Investment Products

  •      REITS
  •      Mutual Funds
  •      Stocks
  •      Municipal Bonds
  •      Brokered Certificates of Deposit
  •      Government Securities
  •      Corporate Bonds
  •      Asset Management Accounts
  •      529 Education Plans
  •      Variable Universal Life
  •      Variable Annuities

Insurance Products

  •      Universal Life 
  •      Term Life Insurance
  •      Deferred Annuities
  •      Tax-Sheltered Annuities
  •      Whole Life 
  •      Medicare Supplements
  •      Long Term Care Insurance 

Employee Benefits

To provide comprehensive planning to our business clients we have partnered with Heath Benefits Solutions and Worksite Benefits Group.  Together we can provide your company a Benefits package that can add value to you and your employees all from one team.  The Benefits Package could include all or some of the following:

  • Retirement Plan
  • Group Health Benefits
  • Supplemental Insurance Packages

Meet your CFS Team!

   
Heather D. Matheney, CRPC® Photo Heather D. Matheney, CRPC® Hover Photo

Heather D. Matheney, CRPC®

Managing Partner
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Mrs. Heather D. Matheney is a Managing Partner of CFS and an Investment Adviser Representative with Voya Financial Advisors, Inc. She strives to help each client feel more secure about their financial futures through planning, investments, and insurance. She started with Cantrell Financial Services in March 2002 as an intern and quickly began obtaining her registrations and moving into her current role of working with Clients and Registered Representatives.

Heather was born and raised in the Upper Cumberland. She married Chris Matheney in 2002 and they share a child, Bentley. She graduated in 2003 from Tennessee Technological University with a degree in Business Administration and an emphasis in Finance. She is series 7, 66, and 24 securities registered with Voya Financial Advisors, Inc and has her Life and Health Licenses.

hmatheney@voyafa.com

Josh J. Bauer, CRPC® Photo Josh J. Bauer, CRPC® Hover Photo

Josh J. Bauer, CRPC®

Financial Advisor
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Mr. Josh Bauer joined our organization in May 2011 as an Investment Adviser Representative with Voya Financial Advisors, Inc. Mr. Bauer has worked with residents of the Upper Cumberland since 2004 and has proven that his holistic view to financial planning is conveniently aligned with Cantrell Financial Services' vision. Today's turbulent economic environment calls for advisors who strive to manage for today and plan for tomorrow. With this in mind, Mr. Bauer's practice focuses on asset accumulation & distribution plans as well as estate planning and risk analysis.

Josh Bauer, his wife Jennifer, and two daughters Kaitlyn and Taylor reside in Cookeville, Tennessee. Mr. Bauer is a graduate of the University of WI-River Falls where he graduated with an Agricultural Bachelor of Science degree with a focus on agricultural commodities and farm business management. He is Series 7 and 66 securities registered & Life and Health licensed. Josh Bauer joined forces with Cantrell financial Services as a veteran with 7 years' experience in the financial services industry. We believe Josh is a valuable addition to our organization and look forward to the additional opportunities his addition will bring.

josh.bauer@voyafa.com

Louella Gentry Photo Louella Gentry Hover Photo

Louella Gentry

Executive Assistant of Insurance Planning and Risk Management
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Louella has been a part of our organization since April 1994. Her experience provides quick answers to most questions regarding insurance products, fixed new business, and customer service. Her experience dealing with a wide range of topics are essential to the growth of our organization.

louellag@voyafa.com

Casey Bates Photo Casey Bates Hover Photo

Casey Bates

Administrative Assistant
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Casey joined our organization in January of 2019.  She serves as our front desk executive and assists Heather with administration for investment accounts.  She attended Brigham Young University in Idaho and received a Bachelor’s of Science Degree in Business Management with an Emphasis in Marketing.  Her organizational skills, customer service experience and marketing knowledge bring a new outlook to better serve our clients and representatives.

casey.bates@voyafa.com

CFS History

Cantrell Financial Services was founded in 1970 by Jerry D. Cantrell, CLU, ChFC.  His vision for our company has brought us to where we are today.  He retired after 46 years in the business on June 30, 2016.

He has been a true asset to our community as he has been an Adjunct Professor at Tennessee Technological University and WCTE-TV Color Commentator for the Tennessee Technological University Golden Eagles Football games (25 years). 

He has also been a Past President and Vice President of the Chamber of Commerce of Putnam County, Northeast Parent/Teachers Association and the Tennessee Technological University Athletic Foundation

He was a Founding President of the Cookeville Boys Club; Charter Member, Cookeville Exchange Club; Recreation Chairman and Cookeville Tomorrow Committee.

His expertise in business and passion for his community have been the foundation of our organization.



Resources 

These resources are here to help answer some of your financial questions. They are not intended to predict future returns or results. Rates of return will vary over time, particularly for long term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.

How much do I need to save for Retirement?

This calculator will show you the future monthly income you may need when you retire. It is a good way to see how close you are to reaching your retirement goal.

Email us your results and we can help you get started today!

How much life insurance do I need?

This calculator is here to help you decide how much life insurance you may need in order to cover your risks. Answering a few simple questions is all it takes. 

Email us your results and we can help you get started today!

How much do I need to take for my required minimum distribution?

Once you have reached age 70 1/2 the IRS requires you to withdraw a minimum amount, also known as the Required Minimum Distribution, from your retirement account. This amount is based on your age and your December 31st account value from the prior year; therefore, it will change each year. This resource is here to help you estimate your required amount each year. 

How do you measure up?

This analysis lets you see how you compare to your peers in a number of financial areas.  

How much do I need to save for College?

This resource will give you a better idea of the potential costs associated with sending one or more children to college. Plan now to start saving for your child's future.   

Email us your results and we can help you get started today!

How can I keep my expenses & savings on track?

This report can help you itemize your expenses to see where your money is going each month. Tracking your spending can help you save more and prepare for a better financial future. 

Should I consider converting a Traditional IRA to a Roth IRA? 

This resources will help you determine if converting your Traditional IRA account makes sense for you and your financial goals.

Email us your results and we can help you get started today!

How much am I required to withdraw from my inherited retirement account?

This helps you calculate the Required Minimum Distribution you must take from a Traditional IRA account you inherited (different rules may apply if it was inherited from a spouse).  This amount is based on a number of different factors including your current age; therefore, it will change each year. This resource is here to help you estimate your required amount each year. 


Getting Started is Easy

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.

To help prepare for this meeting, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term?



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