Representing Us

Echo Wreatha Pelster

FIC® RICP®, CLTC®, FRCSMChFC®

Investment Advisor Representative

Charter Financial Consultant®

Your Needs, My Guidance:

Financial planning is at the core of the services I offer; I employ a comprehensive approach to help you assess your financial position today, looking at what your current financial position is and helping you map out where you want to go with strategies to get you there, with a time horizon and an implementable plan.

Based on the values you identify as important, I’ll help you develop a personalized plan to help you pursue your dreams, whether this means minimizing taxes, investing more effectively to reach goals potentially, maximizing Social Security, or protecting the people and causes that matter to you and your family most allowing you financial peace of mind and confidence in your lives.

Insurance Licensed States:

Life and Health Insurance:  Nebraska, Missouri, Kansas, Montana, Arizona, Colorado, Washington.

—helping clients keep their Financial Goals aligned with their Faith, Family Values, and Traditions.

Professional Education and Exams History:

FINRA Series 66 Uniform Combined State Law Exam/ Passed

Professional Designations
Echo Pelster has earned certifications and credentials that must be explained in further detail.


Fraternal Insurance Counselor (FIC®) Issued by the Fraternal Field Managers Associated
(FFMA). Candidates must have:
• Completed twelve consecutive months of work experience and maintained good standing
With a fraternal benefit society that is a member of the National Fraternal Congress of America and the Fraternal Field Managers’ Association, or the Canadian
Fraternal Congress.
• Must complete four courses: Introduction to Life Insurance, Ethics for the Insurance
Professional, Needs Analysis, and Introduction to Advanced Markets. If a fraternal
Society employs a person with a CLU, ChFC, completing Introduction to Life.
Insurance and Ethics for the Insurance Professional.


Certified Long-Term Care (CLTC®)

Certification is awarded by The CLTC Board of
Standards, Inc., candidates must:
• Complete two-day classes or online courses.
• Pass a final course exam.
• Must complete one course every two years for continuing education.


Retirement Income Certified Professional® (RICP®)

Certification is awarded by the American College of Financial Services, candidates must:
• Complete RICP® coursework within five months from the date of initial enrollment.
• Complete three in-depth online courses.
• Meet the experience requirements: Three years of full-time business experience
Within the five years preceding the date of the award. An undergraduate or graduate degree from an accredited educational institution qualifies as one year of business Experience.
• Pass an exam administered by Pearson VUE Testing Center. 
• When you achieve the RICP® designation, you are subject to the PACE
Recertification Program earning 30 credit hours of educational activities in subject matter that is acceptable to PACE Recertification every two years.

Federal Retirement Consultant (FRC): Federal Retirement Consultant is a designation
issued by the Federation of Federal Employee Benefit Advocates LLC (FFEBA). FRC
designation requirements:

Complete a disclosure questionnaire and meet two of the three following requirements:
1. Meet an experience requirement by either:
o Holding a Bachelor’s degree (or higher) in Business, Finance or Economics
o Having a minimum of two years of relevant industry experience
2. Hold one of the following:
o State Insurance License or Series 24
o Series 6 o Series 65
o Series 7 o Series 66
3. Hold one of the following:

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o Chartered Financial Consultant (ChFC)
o Chartered Life Underwriter (CLU)
o Certified Financial Planner (CFP)
o Master’s Degree in Business, Finance or Economics
o Attorney’s License (JD)
o Certified Public Accountant (CPA)
4. Education Requirements: Successful completion of the complete the Federal
Retirement Consultant (FRC) Course
5. Examination Type: Final certification exam (proctored, closed book)
6. Continuing Education Requirements: Six FRC credits annually


Chartered Financial Consultant® (ChFC®):

Chartered Financial Consultant (ChFC®) is a designation issued by the American College. ChFC® designation requirements:
• Complete ChFC® coursework within five years from the date of initial enrollment.
• Meet the experience requirements: Three years of full-time business experience Within the five years preceding the award date. An undergraduate or graduate Degree from an accredited educational institution qualifies as one year of business experience.
• Take the Professional Ethics Pledge.
• When you achieve your ChFC® designation, you must earn 30 hours of continuing education credit every two years.

Ms. Pelster Lives in the Sandhills of Nebraska with her husband, Lavern & their dogs, Cash, and Posey; they have three grown Children and Twelve Grandchildren.

Arnold's Office Hours are Monday- Wednesday & Friday appointment is recommended. 

Office Phone: 308-848-2595

Business Mobile: 308-409-0611

Advisory Services are offered through ECHO Financial LLC, a Registered Investment Advisor in the State of Nebraska. ( Paid by you or through your investment services.)

Insurance Products and Services are offered through ECHO PELSTER INSURANCE LLC, an affiliated Company. ( Paid By the insurance company issuing the policy on your behalf.)