Curtis Cloke, CLTC, LUTCF, RICP®

President and Founder of Thrive Income Distribution System®

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Main Highlights: 

  • 12x MDRT Top of the Table Qualifier
  • 3 Court of the Table Qualifications
  • 20 Year MDRT Member
  • Designed course material for The American College’s RICP® Desigation (Retirement Income Certified Professional®)
  • Trains advisors nationwide on the math and science behind retirement income planning at THRIVE University
  • Developed the incredibly robust RNG retirement income planning software
  • Sought after speaker rated 4.9 / 5 stars by thousands of advisors nationwide

Curtis Cloke is an award-winning financial professional and retirement income expert, trainer, and speaker with over 30 years of experience in income distribution planning. Recognized in 2009 as a top-five finalist for Advisor of the Year by Senior Market Advisor magazine, Curtis provides educational workshops, seminars, and presentations on advanced retirement income-planning strategies and techniques for financial professionals.

Curtis actively engages all his audiences with his personable character and genuine care for clients’ retirement needs and concerns. Through his extensive experience, he has perfected the ability to quickly and accurately identify the income needs of all his clients and he’s developed a system-based sales approach that he teaches to advisors. Beyond using annuities to create guaranteed income for life, he shows advisors how to generate the maximum inflation-adjusted income for their clients using the least amount of the portfolio.

With a track record of spot-on media commentary, Curtis Cloke’s expertise has been featured in Senior Market Advisor, InsuranceNewsNet, Retirement Income Journal, NAFA Annuity Outlook, The Wealth Channel magazine,,, and many more. He is a frequent guest on radio and TV stations, has appeared as a guest on NAIFA ClientCast® powered by Real Wealth® and as a guest presenter on their webinar series, Power Session LIVE by Real Wealth®.

Bring Curtis into your organization and provide your advisors with the priceless skills, techniques, and knowledge that they need to provide the optimal retirement strategies for their clients. Call today to schedule your next training or speaking event!

The Fine Details…

Curtis is a member of the National Insurance and Financial Advisors Association (NAIFA), and is a former president of the Southeast Iowa Association. He is a member of the Society of Financial Service Professionals (FSP) and is a qualifying member of Top of the Table with the Million Dollar Round Table (MDRT). He has earned his CLTC (Certified in Long Term Care) and LUTCF (Life Underwriters Training Council) designations, and moderates development courses for the Life Underwriters Training Council. He has also developed and provided continuing education training to professionals on many topics relating to retirement and estate- planning strategies.

Curtis began his career as a financial professional with Prudential Financial. After many successful years with Prudential, he merged with a second firm and then in may of 2014, he founded his own firm, Acuity Financial, Inc. This is where his continues to apply and blend his expertise for his clients.

Curtis is the developer of the Thrive Income Distribution System®, a revolutionary system that provides a contractual solution for inflation-adjusted income utilizing the least amount possible of the client’s portfolio value.

Check out THRIVE University’s advisor education site at

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