“Our mission is to help you make the right decisions about your future and to provide the best service in the industry.”

Free Consultation

Welcome to Hughes Retirement Group

In today's market, the huge number of choices available can be overwhelming. At Hughes Retirement Group, we listen to our clients to see what they truly need, striving to provide them with the very best value for your money.

You can trust our business family to meet your needs in a warm and friendly environment. Our staff will tailor coverage to meet your specific requirements and budget.

Free Consultation

Sign up for a complimentary consultation and book.

About Us

We are an enthusiastic team of professionals who believe in family, and want to help you provide for your family and business. Rick and Wendy Hughes started Hughes Retirement Group in 2007 and have quickly become a top agency in our region.

  • Rick Hughes

    Rick Hughes

    Founder & CEO

    Rick’s first career was as a college basketball coach, where for 25 years he was successful in motivating, teaching, recruiting and winning. Rick was an assistant coach at the University of Florida, as well as the men’s head basketball coach at Lee University from 1999 to 2005.

    Rick entered the insurance industry and quickly became one of the most successful agents in America. After being promoted to a management position, he was then hired by a Fortune 500 Company to be a Director and later was promoted to Field Vice-President.

  • Wendy Hughes

    Wendy Hughes

    CFO/Marketing Director

    In addition to her duties as CFO, Wendy also handles all customer service and retention matters. She has always been involved in education and holds a master’s degree from Lee University in psychology/counseling. She was an instructor at Wabash Valley Community College as well as Lee University, where she taught from 2002 to 2008.

  • Granger Hughes

    Granger Hughes

    Vice President/Financial Planning

    Granger Hughes specializes in helping clients formulate a retirement plan that makes sure they don’t simply retire – they retire stress-free. Granger, alongside his father, assists in creating retirement strategies that yield results and help clients attain their retirement income goals.

    In 2009, Granger became a licensed insurance agent and began his college career at Lee University, where he majored in business administration and graduated with honors.

    Tune in to Granger and Rick every week on “Retirement Playbook” on 102.3 FM and 101.3 The Buzz. You can also listen to past shows on Hughes and Associates Facebook page or hughesretirementgroup.com.

  • Beth Godfrey

    Beth Godfrey

    Administrative Assistant to Rick Hughes

  • Lindsey Hughes

    Lindsey Hughes

    Director of First Impressions

  • Haley Farless

    Haley Farless

    Financial Relations Manager

Our Services

Our passion is educating our clients so that they can make well-informed decisions about their financial goals. Our skilled and seasoned staff will work with you to simplify your search and help you find the right solutions. Our services include:


We begin the Medicare planning process with the ABCs of Medicare, educating clients regarding Medicare supplements, Medicare advantage, and prescription drug coverage. After discussing your options, we can help you start making decisions about your health care.


Our goal is to assist individuals in maximizing their Social Security benefits, but also educate them about options for building alternative streams of income other than Social Security. We are able to show how you can produce guaranteed income without risking your principal.

Life Insurance

Life insurance is a crucial but often overlooked aspect of a well-rounded retirement plan. There are options that can grant you long-term care/chronic illness benefits, which could help offset potentially devastating health care costs.

We are a provider of WealthGuardTM, an incredibly simple, yet powerful early-warning system that monitors all of your investment accounts, daily, so you can invest with the confidence that there’s a plan in place to help protect your investments in all market conditions. Providing you with added peace of mind, WealthGuard securely tracks all of your accounts in one place, including asset allocation and overall performance, and immediately alerts you of any changes via email and/or text message. More importantly, WealthGuard will initiate a specific plan of action to help protect your accounts, while keeping you focused on your long-term investment goals.

And since WealthGuard monitors all your accounts automatically, it can watch over your 401(k), self-managed investment accounts, and accounts managed by financial advisors at nearly every firm in the United States.


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The Retirement Playbook

Financial Play Calling for Your Future

For a fresh spin on the world of retirement, tune in to The Retirement Playbook with Rick and Granger Hughes. Committed to providing the best financial education, this father and son combo blends traditional economic views with the most recent market movements. Their well-rounded process can help tackle any obstacle on your financial horizon.

Tune in to
WCLE Mix 104.1 FM | Saturday 8:00 a.m.
The Buzz 101.3 FM | Saturday 11:00 a.m.
WCLE Mix 104.1 FM | Sunday 6:00 a.m.
WGOW 102.3 FG | Sunday 8:30 a.m.

International News Affecting Your Assets

Questions Before Retiring

Social Security Strategy

Unexpected Costs in Retirement

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(423) 664-4203s

Main Office
1035 Peerless Crossing NW
Cleveland, TN 37312

Chattanooga Office
1232 Premier Drive
Chattanooga, TN 37421

Knoxvillle Office
9041 Executive Park Drive
Suite 250
Knoxville, TN, 37923

Birmingham Office
2160 Highland Ave S.
Suite 100-105
Birmingham, AL 35205

Contact Us

Submit your questions below and we will contact you promptly.

Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Hughes Retirement Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Hughes Retirement Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. 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 Retirement Wealth Advisors.

WealthGuardTM is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuardTM is added to client accounts to help protect from downside risk. WealthGuardTM is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuardTM agreement.

There is no guarantee the exact WealthGuardTM value will be captured, or assets will be traded or liquidated the same day the WealthGuardTM value is reached due to time of day and/ or market restrictions. WealthGuardTM is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuardTM percentages.

WealthGuardTM does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuardTM makes no warranties to the legality or suitability of any investment product.