What's Your Dream?

Whatever your priorities, Town & Country Financial Services can help you strive towards them and protect your assets.


Whether you plan to retire in three years or thirty, talk over the possibilities of retiring on time and living the life you've dreamt of.


When you make plans for your little one, saving money for their college education is a significant decision. Discover the best way to save and invest so your child can have a bright future.


Looking for help with your finances and investments? Whether it's a new job, the birth of a child, divorce, marriage, or even retirement - it's always the right time to get professional advice for your financial well-being.


Explore the different ways to secure your wealth and possessions using insurance and careful planning.

Our Team

The Town & Country Financial Services team will work hand in hand to ensure your journey toward financial achievement is tailored to your needs. With an all-inclusive approach, they will be your partners through the planning process.

Portrait of Etta Phillips

Etta Hearn
Salem Office: 573.453.2964
Email: ehearn@tcbanks.com

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Portrait of Karen Davis

Karen Davis
Rolla Office: 573.364.4465
Email: kdavis@tcbanks.com

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Portrait of Zachary Elliot

Zachary Elliott
Rolla Office: 573.426.2592
Email: zelliott@tcbanks.com

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Our Process

Let us kick off our partnership with a complimentary consultation to learn about your personal objectives and situation. Our Advisors use innovative technology and an analytical planning process to design a tailored plan to help you pursue your financial goals.

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Our Principle

Town & Country Financial Services believes that financial planning should be personalized for each individual client and based on facts, informed decisions, and top-notch customer service.


Our Commitment

At Town & Country Financial Services, our team strives to provide you and your family with the most personalized and comprehensive advice. Our goal is to offer objective guidance in all areas of financial planning so that every conversation, service, or handshake we share is directed toward achieving your dreams. We promise close collaboration with you at every step along the way.


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Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Town & Country Financial Service provides referrals to financial professionals of LPL Financial LLC Town & Country Financial pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Town & Country Bank and Town & Country Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Town & Country Financial Services, and may also be employees of Town & Country Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Town & Country Bank or Town & Country Financial Services. Securities and insurance offered through LPL or its affiliates are: