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About Hughes Retirement Group

Who reads the stock tables for you, vets your mutual funds, talks to the IRS, plans your children’s college fund, grills your mortgage and insurance companies, organizes your inheritance, and figures out how you will have enough money to vacation in Italy when you retire? We do.

In today’s market, the huge number of choices can be overwhelming. By listening carefully to each client and placing their needs first, we work to develop a personalized financial plan that can help them prioritize and work toward their life goals.

We understand the many challenges that individuals can face as they prepare for retirement. Whether it be concerns about taxes, market loss, Social Security, long- term care, Medicare, or running out of money during retirement, our personalized service focuses on our clients’ financial goals and objectives. We tailor our coverage in a way that will help them pursue their retirement goals in the most cost-effective and efficient manner.

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

Rick Hughes headshot

Rick Hughes

Founder and CEO

Rick Hughes has helped many individuals and families in the Tennessee, Georgia, and Alabama areas prepare for retirement. Rick works exclusively with seniors and retirees to find solutions to help them enjoy their retirement years.

After being a vice president of a Fortune 500 company, Rick founded Hughes & Associates in 2007 to help families prepare for the future. Before changing careers, Rick served as an assistant basketball coach at the University of Florida and then served as a general manager/head coach of a developmental league to the NBA.

Rick has pioneered strategies that protect his clients from volatile and risky financial investments while helping them grow their retirement income. His main interest is helping his clients in reducing their taxes. He offers many risk and risk-free strategies that can lower a tax bracket and, in many cases, obtain a zero percent tax bracket in retirement.

Driven by a passion to educate and inform those preparing for or moving into the retirement phase of life, Rick has strived to create educational opportunities through workshops, classes, special events, and social media and provide them to those in the Cleveland, Chattanooga, Knoxville, and surrounding areas.

He is one of very few advisors who can work with WealthGuard™ in the state of Tennessee. WealthGuard™ is a complete portfolio monitoring system that is added to client accounts to help protect from downside risk.

Rick is an Investment Advisor Representative. He has his securities license and life and health insurance licenses and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life.

Wendy Hughes headshot

Wendy Hughes

Client Concierge & CFO

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

Wendy is an active member in both the Athens and Cleveland/Bradley chambers of commerce and the Cleveland Leadership Class of 2019. She co-hosts a weekly community events radio show with her daughter, Lindsey, and is passionate about promoting local businesses and activities. She is a member of First Baptist of Cleveland and loves spending time with her family and two fur babies, Jack and Copper.

Granger Hughes headshot

Granger Hughes

Vice President/Financial Planning

Granger Hughes began his career in 2009, after becoming a licensed insurance agent. He graduated with honors with a Bachelor of Science in business administration from Lee University. He is an Investment Advisor Representative with Hughes Retirement Group and has his securities license and life and health insurance licenses and works with tax-advantaged strategies, tactically managed accounts, annuities, long-term care, and indexed universal life.

Granger uses a tax-sensitive, holistic approach by offering suggestions and alternatives on ways that his clients can help protect, preserve, accumulate, and distribute money. His professional knowledge includes looking at all buckets of money and allocating them to the appropriate tax advantage status. He can assist his clients in reaching a lower tax bracket and, in many cases, obtaining a zero percent tax bracket in retirement. He can also provide strategies that are risk-free or limited-risk.

He utilizes a scientific approach to analyzing portfolios through standard deviation, correlation matrix, and risk reward. He is one of very few advisors that can work with WealthGuard™ in the state of Tennessee. WealthGuard™ is a complete portfolio monitoring system that is added to client accounts to help protect from downside risk.

Granger has worked with his father to help provide educational opportunities for clients as well as others in the community. He feels that working in this field has given him a responsibility to help inform those who may otherwise not be aware of strategies, changes, and opportunities available to them when it comes to their financial well-being.

Lindsey Hughes Kiker headshot

Lindsey Hughes Kiker

Director of Financial Operations

Lindsey is the daughter of Rick and Wendy Hughes. She assists Rick and Granger in all aspects of providing services and information to clients and serves as the point of contact for financial services. She graduated from Cleveland State Community College in 2008 with a degree in office administration.

Lindsey is active in the community as an ambassador for the Cleveland/Bradley County Chamber of Commerce, a member of the Cleveland Leadership Class of 2019, and the co-host of a local weekly events radio show with Wendy Hughes. She is an avid mountain biker, enjoys the outdoors, and loves to travel and spend time with her husband and their dog!

Niki Davis headshot

Niki Davis

Assistant Director of Financial Operations

One of two fresh new hires, Niki Davis is a Cleveland, TN native. She has experience as a bank teller with FSG Bank and can be defined as very professional. Community service has also been a prominent focus of hers.

She is a Lee University School of Business graduate and holds a degree in business management with a healthcare emphasis. Niki joined the Hughes Retirement Group team at the end of May and is the Assistant Director of Financial Operations. She enjoys spending time with her children, Sawyer and Finn, as well as surfing, fishing, and playing cornhole at the lake.

Beth Godfrey headshot

Beth Godfrey

Director of Insurance Operations & Executive Assistant to Rick Hughes

Beth works to ensure outstanding customer service to clients and individuals seeking Medicare supplemental options and other health care plans. She works one-on-one with the agents of Hughes Retirement Group to help provide a smooth application process for clients and brings years of experience and understanding to the firm.

Beth enjoys traveling and spending time with her husband and family when she is not working. She is a great cook and always bringing fresh-baked goods to the office, especially around the holidays!

Chloe Clevenger headshot

Chloe Clevenger

Director of First Impressions

Chloe was born and raised in Knoxville, Tennessee, but has lived in Cleveland for the last four years where she attended and graduated college from Lee University with a degree in psychology. She is a dedicated and hardworking employee who serves Hughes Retirement Group as the Director of First Impressions. She is the first point of contact for new clients and is responsible for assisting Medicare clients.

Chloe enjoys going to the beach, eating pasta, listening to live music, and watching sunsets.