Not as it affects your retirement! Talk with us about IRA, 401(k) and pension rollover options that can provide guarantees of account value, lifetime income, or both.

ames D. Hough Co-Founder Financial Transformation Group

James D. Hough, PhD, CLU, ChFC, CFP, CLTC, AEP

Check James D. Hough’s profile on BrokerCheck

Our mission is to make a material difference in our clients’ lives by joining in partnership with them to address critical financial issues.  We serve our clients by using an educational and analytical process to determine their financial and insurance needs.   We maintain a professional and permanent relationship with our clients by bringing pertinent information and recommendations through regular reviews and educational programs.

Jim goes beyond providing a plan, taking a fee, and stopping with presentation of a plan. He takes pride in completion of the entire process. Recognizing that a plan, no matter how expensive, is worthless until implemented, Jim sees the process to completion, including implementation. This usually involves a minimum of two meetings, and sometimes several meetings. At Hough Financial Services, they understand that good planning is a “team sport.” Jim works with the client’s other team members — attorney, accountant, trust officer and family members — guiding each step in the process. Jim provides a regular review process, which is essential to good planning. Jim is committed to professional service, with attention to all steps in the process, and strongly encourages his clients to go through a regular, periodic review.


  • Bachelor’s, Master’s, Doctoral degrees in business; Northern Illinois University


  • Chartered Life Underwriter (CLU), American College, Bryn Mawr, PA
  • Chartered Financial Consultant (ChFC), American College, Bryn Mawr, PA
  • Certified Financial Planner (CFP), College for Financial Planning, Denver, CO
  • Accredited Estate Planner (AEP), National Association of Estate Planners, Marietta, GA
  • Certified in Long-Term Care (CLTC), Corporation for Long-Term Care Certification, Newton, MA

Licenses and Registrations

  • FINRA (Financial Industry Regulatory Authority, Inc.) Registrations; Series 6 (Investment Company/Variable Contracts Representative), Series 7 (General Securities Representative), Series 22 (Direct Participation Programs Representative, Series 63
  • Registered representative of Woodbury Financial Services, Inc.
  • Insurance Licenses, Florida and various states: Life, Health, Variable Annuity
  • State Securities Licenses, Florida and various states

Your IRA, 401(k) Rollover, & Retirement Source

Hough Financial Services Partnership with Financial Transformation Group

For nearly four decades, James D. Hough has operated Hough Financial Services to serve the needs of families, business owners, and professionals. In 2020 he partnered with the Financial Transformation Group to enhance the services to his clients. The scope of that service includes retirement and legacy planning, financial planning, insurance analysis, estate analysis, and portfolio and asset-allocation review. A teacher and college professor by background, Jim uses an educational and analytical approach to meeting his clients’ needs. One of Jim’s greatest professional satisfactions is to hear a client say, “Oh, now I understand how that works.”

Hough Financial proudly serves the financial needs of Brandon, Florida and Beyond


Individuals and Families

With several widely accepted software-analysis systems available, Jim provides a complete analysis of the client’s needs. That may include planning for needs such as retirement, college funding, estate distribution, unexpected disability, premature death or tax minimization strategies. Jim focuses much attention on the early steps in the process — developing extensive factual information and identifying the client’s needs and wants. This critical phase is vital to the ultimate success of the planning process. Written recommendations are provided, based on the findings of the analysis.


Professionals, Business Owners, and their Businesses

In addition to the financial planning process used for individuals and families Jim provides additional services to business owners. Those services are designed to help business owners protect their business investment, to recruit, reward and retain capable employees and to establish executive benefit programs for owner and key employees.


Family Business

Having acquired extensive, specialized education and certification in the planning needs of family business, Jim offers service and creative solutions for the unique problems facing family-run businesses.


Retirement and Legacy planning (our specialty)
Financial Planning
Widow and Widower Counseling
Investments & Fee based products
Life, Disability & Long Term Care Insurance

Private Seminars

We love sharing knowledge about financial planning to small groups as a way to start people on their journey to financial freedom and give back to the community. Contact us about coming to your small group, church, association, school or business.

Brandon Financial Planning Office

James D. Hough’s office, Hough Financial Services, works hard to help you achieve your financial goals. He is happy to answer all your financial questions and get you started on the path to financial freedom. Conveniently located in Brandon he locally helps people in neighboring Valrico, Tampa, Lithia, FishHawk, Riverview, Gibsonton, Tampa and other cities in Florida. Only a phone call or virtual meeting away he helps his clients all over the United States navigate their financial future. Contact him today to get started on your financial plan.

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Monday-Friday 8:30am-5pm
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1739 S Kings Ave, Brandon, FL 33511