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CFS is a financial services company that specializes in financial investment strategies with the goal of delivering consistency and stability throughout retirement. We focus on four important pillars of retirement: income stream, investment management, healthcare, and legacy. As a fiduciary, we are solely focused on our clients’ best interests.

Our office is independent and, as such, we are not tied to the proprietary products of an employer. It is our desire to offer objective, unbiased advice without a hidden agenda. We have been serving Winston-Salem and the surrounding communities since 2005.


Our desire is to provide retirement planning solutions that provide our clients with the peace of mind that their financial needs will be met throughout their retirement.  We base all of our decisions on the individual goals, desires, and needs of each client.


Founder & Principal
Kevin Ebbink

Kevin founded CFS in 2005 as a boutique advisory firm, focused solely on serving the needs of those in, or nearing, retirement. While CFS remains, Kevin began offering advisory services as an investment advisor representative of Strategic Blueprint in 2021.  He is passionate about helping his clients live a truly fulfilling life.  The transition from being net-savers to net-spenders can be problematic; he believes it is his job to help his clients attain peace of mind by helping them find a balance between their concerns about longevity and their pursuit of happiness.  

Kevin brings a lifetime of experience that is unique in this industry.  He began his career with a master’s degree in Physical Therapy from the University of California, San Francisco, specializing in geriatric care and rehab.  He used that experience to begin a career specializing in Medicare, long-term care planning, and annuities in 1999.  With a desire to provide independent advice, he co-founded Horizon Financial Services in 2002.  In 2005, his interest in providing a boutique-style planning service for retirees led him to then found Compass Financial Services.  Merging all of his experience with investment advisory services has allowed him to provide a holistic service, focused on the needs of retirees, ever since.

Kristina Ebbink
Marketing & Administration

Kristina has been helping Kevin part-time since CFS moved into the Peak Building in 2019. She assists with scheduling, manages the client database, coordinates Medicare workshops, and helps with marketing.

Kevin and Kristina have a grown daughter, Annalisa, and a cute but mischievous puppy named Lily.  They have called Winston-Salem home since 1995.

(336) 768-5111

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