CARMEN HORNBERGER

OWNER

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After being laid off in 2018 from a Fortune 50 financial services firm in St. Louis, I turned an unexpected disruption into a renewed sense of purpose. With experience spanning IT, investment banking, and brokerage services, I witnessed firsthand how traditional retirement strategies often fall short—particularly for working professionals, business owners, and self-employed women.

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That experience led me to found Benefits To Go LLC with a clear mission: to help individuals better understand the true cost and limitations of qualified retirement plans such as the 401(k) plan, and to introduce more strategic approaches designed to reduce market risk and minimize unnecessary taxes.

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At Benefits To Go, we work with individuals, small business owners, and the self-employed to design retirement strategies that focus on creating tax-efficient and potentially tax-free income streams using simple, effective financial planning principles.

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Today, we proudly serve clients across 11 states—and growing. My five-year goal is to help more than 5,000 individuals build $250,000 or more in additional tax-advantaged retirement income, so their retirement is built on confidence, clarity, and control—not guesswork.

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Recognitions~

Executive Director 2024

Six Figure Ring Earner 2023
2020 Top Producer of the Month Sept 2021

Top Producer in US and Canada April 2022

Top Producer in US and Canada May 2022

Top Producer of the Month One Life Financial October 2020
Legend of the Seas Winner Alaskan Cruise 2019
Ruby Award Winner Combined Insurance 2016

Triple Crown Winner Combined Insurance 2015

Wells Fargo Employee of the Month 2007​