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Are You Heading Toward Retirement?
Let's Get There Together.

I continue to provide financial advice on an independent, fee-only basis, to help you meet your important goals and adjust to unexpected changes. We are now meeting with fully vaccinated clients in person; all other appointments are online. The quickest way to reach me is to schedule a call using the "Schedule an Appointment" button, above. I look forward to talking with you. 

Please note, we are not scheduling new client meetings at this time.

We’re Growing Fortunes Financial Partners, an office of CGN Investment Advisors, LLC. Growing Fortunes is a fee-only, and focused on planting the seeds for retirement.

We're dedicated to helping you reach retirement - and flourish when you get there. We put our years of experience to good use as we assist clients in Chicagoland, Phoenix and beyond.

Please note: We are not scheduling new client meetings at this time. 

Your Goals, Our Expertise.
A Winning Combination.

Financial planning helps you create a life you love – today AND tomorrow.

Just like spring is a crucial time to plan your garden, retirement planning starts well before your retirement date. Our mission is to help you understand your financial readiness for the next phase – whether it’s a traditional retirement or a partial downshift. We partner with you to provide confidence in your decisions. We do all of this within a friendly and caring environment.

Since 2007 Cheryl Krueger has provided financial planning services for individuals, families and retirees. As a fee-only advisor, Growing Fortunes helps clients make sound financial decisions based on knowledge and a solid understanding of fiduciary practices and without product sales or limited product choices.

We partner with our clients to help them understand where they stand with respect to funding their goals. We help clients see the potential long term impact of decisions they make now. Based on that vision, we provide strategies to help clients reach their goal of financial independence with confidence.

With client permission, we are able to partner with clients' attorney, accountant or other professional advisors in order to create a consistent and well-executed plan.


An introductory call, followed by a more in-depth Get Acquainted meeting


A description of our fees and services provided


Your personal plan as chosen by you


Plan design and implementation


Ongoing support

Cheryl Krueger Photo

Cheryl Krueger

Financial Planner

Cheryl Krueger spent over 20 years working as an actuary in the life insurance industry. During this time, she designed and priced insurance and annuity products, monitored insurers’ financial conditions, worked in merger and acquisition appraisal situations, implemented asset/liability management processes and reporting and improved companies’ performance through developing, implementing and monitoring strategic plans. She found that she did her best work developing solutions for complex problems and then explaining those solutions in everyday language.

In 2007, Cheryl started providing fiduciary, fee-only financial planning with no minimum portfolio sizes and no product sales.

Since then, she has provided advice to many clients from all walks of life. Over time, she developed a passion for helping pre-retirees make the transition to retirement, whether they were ready to retire now or wanted to make sure they were preparing adequately for retirement a few years down the road. She also found that as her clients entered their retirement journey, they wanted additional assurance that there would be someone familiar with their finances on an ongoing basis if they were unable to manage them themselves.

Cheryl obtained her CERTIFIED FINANCIAL PLANNER™ certification in 2010. Cheryl is a member of the National Association of Personal Financial Advisors (NAPFA).

Contact Cheryl Krueger today for your complimentary Get Acquainted conversation. We’ll help you make the financial decisions around your retirement with confidence.

Your Financial Plan

We work with you to develop a financial plan through in-person or virtual meetings. We will discuss your goals and the actions you can take now to meet them.

Topics covered may include:

  • Identifying and specifying savings for retirement and other goals
  • Retirement income planning including Social Security, pensions and withdrawals from your portfolio
  • Estate, insurance and tax planning
  • Employee benefit reviews
  • Any other topics that apply to your unique financial picture

Through our plan creation and design sessions, we’ll create a written financial plan and investment strategy as well as outline a clear path of how to achieve your financial goals. Your report will include recommendations and action steps as well as a retirement plan report and an asset allocation/investment recommendation report and, if applicable, a Social Security optimization strategy report.

Once your plan and recommendations are complete, you will have what you need to implement the action steps we outline for you. To implement your plan, you may need to:

  • Making the recommended changes to your investment accounts
  • Obtaining additional insurance
  • Developing an estate plan with an attorney
  • Coordinating with your tax preparer

During your implementation, we provide phone and email support to ensure that you are making progress.

Financial Planning and Investment Advice Program

We want to be your partner as your journey continues. Our financial planning and investment advice program helps you stay on track and allows us to help you manage life’s transitions effectively and with less worry. When you enroll in this program, you will benefit from a comprehensive annual review meeting that will include:

  • Progress report on meeting your goals
  • Investment rebalancing instructions for you to implement
  • Updated savings/withdrawal plan
  • Tax strategy review
You will also have access to financial advice as needed throughout the year via phone and email, and a client website that can provide up-to-date financial information. 


We provide service at a fixed annual fee. We determine your fee based on complexity of your financial situation. Total first-year fees range from $4,200 to $7,200, and will be quoted at your Get Acquainted meeting. 

How Can I Get Started

The first step is an initial inquiry from you. Contact us today. We offer an initial no-cost, no-obligation get acquainted meeting, either on the phone or in our offices. For get acquainted meetings, appointments are scheduled based on availability during regular business hours of 9-5, Monday through Friday.

Should you decide to engage our services, we can discuss which of our services is appropriate for you. Most clients find the financial planning process to be stimulating and enlightening. The end result, of course, is greater peace of mind. We look forward to helping YOU build a brighter financial future!


The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of fee-only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.


The Certified Financial Planner Board of Standards is a professional regulatory organization. It fosters professional standards in personal financial planning so that the public values, has access to and benefits from competent financial planning. Individuals who meet rigorous certification requirements are certified by CFP Board to use its certification trademark.


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Common Questions

What is involved in creating my financial plan?

What is "fee-only” financial planning and why should that be important to me?

I understand the benefits of working with a fee-only financial planner, but I might need to obtain financial products. How will I be able to do that?

What will be addressed in my plan?

Why three locations?

Do I have to come to your office?

I have already accumulated substantial assets and think I am doing quite well. But as I progress and build for the future, things seem to be getting more complicated. I want to be sure I am on track, but I don’t always have the time or inclination to manage the myriad details by myself. Can you help me?

How do you determine my planning fee?

Tell me about your investment philosophy

Client Center

Once you have set up an appointment for your Get Acquainted meeting, please complete our online questionnaire. Please submit it at least one business day prior to our meeting.

Client Website

Upload your documents securely using the link below.

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Contact Us

Schaumburg (Mailing Address Only)

1901 N. Roselle Rd., Ste. 800
Schaumburg, IL 60195


Client meetings are currently being held via Google Meet. Please schedule your next meeting and you will receive an invitation to a video call.


Biltmore Office Plaza
2942 N. 24th St., #114
Phoenix, AZ 85016