As the number of companies providing pensions and defined benefit plans continues to decline, the availability of dependable future income streams for retirement has significantly diminished. However, there are financial products, such as annuities, that offer individuals the chance to address this issue by constructing their own personalized pension plans.
Protecting your current assets is a crucial aspect of any retirement plan. Preserving the progress you’ve made is our top priority. Our emphasis on safeguarding you and your savings from potential obstacles is central to developing a strong retirement strategy. You can trust that we handle asset investment with careful attention and thorough diligence.
Minimizing tax burdens is a common goal for everyone. Through tax planning, we can leverage specific financial products to reduce your tax liabilities. Our team employs various strategies aimed at saving you money in taxes during retirement. Together, we’’l navigate the intricate tax rules, ensuring you retain more of your hard-earned money in your pocket.
Annuities are often misunderstood by consumers today. Surprisingly, many investors are unaware that there are actually four distinct types of annuities available to them. Misinformation from the media and certain financial personalities has led to misconceptions, with all annuities being wrongly perceived as identical. We can assist you in recognizing the unique features and benefits of each annuity type to make informed financial decisions.
It’s startling that fewer than one-third of Americans over 50 have started saving or developed a plan. Long-term care services incur significant costs, potentially impacting retirement savings. Without a plan in place, loved ones could bear the responsibility of care, affecting both their time and finances. Let us help you secure your future while easing the financial strain of long-term care.
Life insurance offers greater versatility than commonly realized. Beyond basic protection for your family’s financial security, it provides additional benefits, including business continuation, retirement readiness, estate planning, and living benefits. Let’s delve into how life insurance can serve as a valuable asset in safeguarding your family’s future and preserving your financial well-being.
Medicare programs offer retirees significant financial benefits during this important stage of life. At our firm, we are dedicated to guiding you through the process of qualifying for Medicare and providing insurance quotes that enhance your understanding of how Medicare functions. Let us assist you in making the most of these valuable resources to optimize your finances and secure a confident retirement.
As retirement approaches, we will assess your current retirement accounts, including pensions, IRAs, SEPs, 401k plans, and annuities. Based on our evaluation, we will provide a comprehensive overview of distribution options, guiding you towards the most effective method of converting these assets into a reliable income stream throughout your retirement years.
Incorporating practical measures for the transfer of your financial legacy is a fundamental element of any financial strategy. We will lead you through the process of legacy planning in an uncomplicated and efficient manner. From appointing beneficiaries to the seamless transfer of your assets, rest assured that every aspect of your finances will be meticulously addressed for the time when it’s needed. This provides your family the freedom to concentrate on their essential needs during this period.
At AFS, protecting your entire wealth is our top priority. We are committed to minimizing losses and promoting wealth expansion. To achieve this goal, effective management of your current wealth and the implementation of suitable products and services are essential. Recognizing the inherent apprehensions associated with financial choices, our diligent approach ensures smooth operations for your advantage.
All investments come with a degree of risk, and at AFS, we recognize that the level of risk you should embrace depends on your specific investment stage. Our core principle is that you shouldn’t and won’t undertake undue risks as you progress on your path to retirement.
Whether you’re new to investing or a seasoned investor looking to refine your strategies, our team is here to help. We offer expert guidance tailored to your financial goals and risk tolerance. From portfolio diversification to asset allocation, we’re here to help you make informed investment decisions that align with your objectives.
Check the background of your financial professional on FINRA’s BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact medicare.gov or 1-800.MEDICARE to get information on all your options.
Registered Representatives of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. Investment advisory services offered through BFC Planning, Inc. American Financial Services, American Financial Tax Services, American Financial Home and Auto Insurance, BFCFS and BFC Planning, Inc. are independent entities. There can be no assurance that any specific investment strategy will be profitable. Different types of investments involve varying degrees of risk including market fluctuation and possible loss of principal value. Due to various state regulations and registration requirements concerning the dissemination of information regarding investment and insurance products and services, we are currently required to limit access of the following pages to individuals in states where we are currently registered. We are licensed to sell insurance products in the following states, Colorado, Florida, Ohio, Pennsylvania. We are registered to sell securities in the following states: Arkansas, Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Indiana, Kentucky, Massachusetts, Mississippi, Missouri, North Carolina, New York, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Ohio, and Pennsylvania.