Mitchell & Associates Financial LLC

Tracy Wayne Mitchell

Tracy MitchellTune into our Radio Show - The Mitchell & Associates and Federal Employee Benefit Hour every Tuesday at 10 am on Springfield Missouri's KWTO AM 560 with your Financial Host and Author Tracy Mitchell (You can stream it live at

Mitchell & Associates Financial, LLC is proud to be on the forefront of innovative financial solutions for retirement income planning. The company specializes in helping individuals and families strengthen their retirement outlook with lifetime income solutions. Since 1995 Mitchell & Associates Financial, LLC founder Tracy Mitchell has helped hundreds of people start their personal journeys towards a stronger retirement with strategies designed to protect principal, generate retirement income that can't be outlived, and eliminate market loss.

Tracy is the Author of THE INFORMED FED, A Survival Guide To Federal Employee Benefits. Published by Tandem House Publishers, this book is dedicated to helping federal employees get the most out of their benefits and prepare for a successful retirement. The book is available for purchase at

Our office is located at 1531 E. Bradford Parkway Suite 303-B Springfield, MO. Additional information may be found by calling our office at: 41 7-429-0331 and visiting our website at:

About Tracy

Tracy Wayne Mitchell was born in 1960 in Miami, Oklahoma and is on the Tribal Roll of the Citizen Band Potawatomi Tribe of Oklahoma. He has resided in Springfield, Missouri since 1961. He has been licensed by the State of Missouri Department of Insurance since 1995 to advise consumers on Annuity/Life and Health insurance products. Tracy W Mitchell was honored by American Equity Investment Life Insurance Company's President Kevin Wingert with the “Seal of Excellence Award” for outstanding achievement. National Western Life presented Tracy W Mitchell with the “2014 Champion's Club Award” at their world conference held in London, England for top performance and again in 2016 held in Puerto Rico.

Tracy Wayne Mitchell has lectured and trained numerous loan officers throughout the four state area. Additionally, he has conducted a continuing education finance class held at the Lifetime Learning Center in Springfield, MO.

Tracy W Mitchell is owner of Mitchell & Associates Financial, LLC and its subsidiary Federal Employee Benefit Advisors LLC. He has a passion for helping retirees and those about to retire, plan for a successful retirement. He also helps veterans and federal employees better understand their benefits while providing guidance and solutions.

Tracy's articles on estate planning and retirement investing have been published in Boomer The Magazine. Tracy wrote a foreword to the book “Maximizing Your Federal Benefits” and has developed a specialty in helping federal employees better understand their benefits and make sure they are on the right track. Tracy authored his own book ”THE INFORMED FED” A Survival Guide to Federal Employee Benefits that was released in 2013 through Tandem House Publishers. The book is available for purchase at You can tune into his financial radio show every Wednesday at 2 pm on Springfield Missouri's KWTO AM 560 or stream it live at His free newsletter is available by contacting him at: 417-429-0331

Tracy Wayne Mitchell enjoys bass fishing in his time off and lives with Joy his wife of 30 years. They are members of James River Church in Ozark, MO and actively support Christian mission efforts worldwide. They have three children: Laramie Pence: Currently pursuing her Doctorate at the University of Maryland, Cooper: Investment Adviser with Dane Financial and Connor: Sophomore at OTC in Springfield, MO.

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Service Area

Proudly serving all of Missouri, Kansas, and Oklahoma.

Contact Us

Tracy Wayne Mitchell
Mitchell & Associates Financial LLC

Phone: (417) 429-0331
Toll Free: (844) 560-7329

1531 E. Bradford Parkway
Suite 303-B
Springfield, MO 65804




Fixed Indexed Annuity

Indexed Universal Life

Living Benefits

Client Testimonials

I met Tracy at a very difficult time in my life. My Husband had been recently diagnosed with ALS. There were a lot of financial decisions that needed to be made and planned for. Tracy was there to help me every step of the way. He structured a safe money income plan that ensured that I will not run out of money in retirement. I have been very pleased with rates of return that I never thought I could achieve in a no risk investment.

- Pat E. Business owner

Tracy has been a great blessing to me. He has always been there to help me with financial decisions and guide me on proper income distribution. In addition to having a good return on my investment, I have never lost any money due to market downturns. He is always prompt to return a call and is a pleasure to work with. I would recommend him to anyone looking for help with any financial services related need.

- Caroldene H. Retired Business Owner

I was referred to Tracy by my Grandson. Tracy helped him qualify for a home loan so I decided to have Tracy review my portfolio. One of my main concerns was the risks associated with my current investments that were being managed by one of the national brokerage outfits. I was not familiar with the type of investments that Tracy had available .He said I would be able to receive growth from the S&P 500 without risk. I thought this was a too good to be true situation, but upon further review I discovered that this type of investment does exist. I have also been able to set up a lifetime income stream from these investments as well. Give Tracy a call, he is very easy to work with and has never pressured me to do anything. He has simply provided me with the information and advice and let me make my own decisions in my own time.

- Bobbie D. Pastor

I have worked for the Postal Service for many years and never really understood my benefits package. My current advisor had no training or knowledge of my employee benefits package and OPM didn't really give me advice, they just told me what I had and what options were available. It was very refreshing to find a seasoned financial advisor like Tracy that has an intimate knowledge of the federal employee benefits system, how to get the most out of it and save me money. His book THE INFORMED FED is an easy read and very informative. Every federal employee should get a copy of this awesome book.

- Sharon C. Postmaster

As I was approaching retirement from the Postal Service I started seeking someone who could make sense of my benefits and transition that into retirement. When I met with Tracy he took a lot of time to review every aspect of my finances to come up with a plan that would keep my funds safe and provide flexible income that has worked out well for me and my family. It has been a pleasure working with him and I would recommend Tracy for anyone looking for a common sense approach to retirement income planning.

- Milford B. Retired Postal worker/Farmer