Our Commitment
At Central Financial Services our job is simple... help you make the best financial decisions that protect and help maximize your wealth. Assisting clients since 1992, we listen and learn about your unique situation before making recommendations.
Financial planning shouldn't be hard to understand. CFS associates take pride in clearly explaining how a recommendation will benefit you. With many years of experience and comprehensive knowledge, our associates provide answers to your questions.
Take a few minutes to review the financial calculators, stock/market reports and articles. In addition, IRS tax forms may be downloaded at no charge. If you have questions, don't hesitate to complete one of the online forms. We welcome the opportunity to serve you.
WE ARE HERE FOR YOU

About Us
CFS is a full service, independent financial planning firm. We help our clients find the best strategies to reach their financial goals. This could be as simple as purchasing term insurance or a mutual fund...

Products & Services
We provide a comprehensive array of financial planning and wealth management services to individuals, business owners, professionals, and retirees.

Contact Us
Central Financial Services
6355 South 56th Street
Lincoln, NE 68516
Phone: (402) 423-4022
Fax: (402) 423-4122
E-mail: mikec@cfslinc.com
Helpful Content

The Great Debate Continues: Active vs. Passive
In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”

Do Your Kids Know The Value of a Silver Spoon?
You taught them how to read and how to ride a bike, but have you taught your children how to manage money?

Rightsizing for Retirement
What does your home really cost?
You Would Rather Be...
Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance.
Qualifying For Medicare Under Age 65
You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.
Estate Management Checklist
Is your estate in order? This short quiz may help you assess your overall strategy.
Traditional vs. Roth IRA
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
Where Will Your Retirement Money Come From?
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Does Your Credit Score Affect Your Insurance Rates?
Your credit score may influence how much you pay for auto and home insurance.
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What Is My Life Expectancy?
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
What Is My Current Cash Flow?
Assess whether you are running “in the black” or “in the red” each month.
Impact of Taxes and Inflation
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Saving for Retirement
This calculator can help you estimate how much you may need to save for retirement.
Inflation & Retirement
Estimate how much income may be needed at retirement to maintain your standard of living.
Social Security Taxes
Estimate how much of your Social Security benefit may be considered taxable.
View all calculators 
Protecting Those Who Matter Most
The importance of life insurance, how it works, and how much coverage you need.
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
An Inside Look at Retirement Living
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.
Principles of Preserving Wealth
How federal estate taxes work, plus estate management documents and tactics.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
View all presentations 
A New Way to Look at Your Bucket List
Bucket lists don’t have to be for tomorrow.
The Latte Lie and Other Myths
Do you know these three personal finance sayings?
18 Years’ Worth of Days
The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose?
A Fruitful Retirement: Social Security Benefit
Taking your Social Security benefits at the right time may help maximize your benefit.
16 Wall Street Cliches in 60 Seconds
Pundits say a lot of things about the markets. Let's see if you can keep up.
Don't Buy The Hype
There are a lot of misconceptions about Social Security. Here’s the truth about three of them.