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Retirement Income Strategies

Investment Management

Tax Planning Coordination

Risk Management

Asset Protection

IRA & 401(k) Rollovers

Long-Term Care Strategies

Life Insurance

Annuities

(Click the images above to learn more about each service)

To develop a financial strategy for your future, it’s important for your financial professional to see a complete, 360-degree view of your financial picture, including how your retirement assets are integrated and work together. 

Our financial strategies and asset management services use insurance products, such as annuities, to help you meet financial goals. We can work in concert with tax professionals or attorneys in your or our network to advise you on specific aspects of your financial strategy. 


Annuities

Today, the majority of the burden for retirement income seems to have shifted to the individual. For this reason, you may want to consider a guaranteed* fixed income component to your retirement strategy. In short, adding an annuity may be an opportunity to help ensure a portion of your retirement income will be guaranteed.*

A Fixed Annuity is an insurance product that pays a fixed, guaranteed* rate of interest while offering guarantee of principal and tax-deferred growth. One of the most popular types of fixed annuities is a Fixed Indexed Annuity which offers the potential upside of stock market-linked growth without loss of principal due to market downturns. For clients looking to create guaranteed income for life and a stable, predictable standard of living, fixed annuities are a great option to consider as part of one's overall retirement strategy.

While there is an abundance of annuity products on the market today, you can be confident that Strategy Financial Group will offer you the expertise and guidance in selecting the best solution to suit your overall goals.

*Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations or early withdrawal fees.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Investment Management

Our conservative investment management strategies focus on the preservation and accumulation of your wealth. We have partnered with a world-class investment management firm to take a more balanced, multi‐strategy approach, and have developed a series of investment models designed to meet the wide variety of your financial goals and risk parameters.

OUR PROCESS
We begin with a comprehensive fact-finding meeting to review your current financial situation and discuss the goals that are important to you. Our purpose is to have a clear understanding of your objectives and risk tolerance to determine which investment model best suits you.

OUR COMMITMENT
As your long-term advisors, once your investment management plan has been established, we provide you with ongoing monitoring and periodic reviews. At any time, we will meet with you to conduct a thorough investment review and ensure that we continue to calibrate your plan as your goals and circumstances evolve.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Asset Protection

No matter your net worth, it's important to have an estate plan of some sort in place. An estate plan is simply a strategy for leaving assets to loved ones and establishing how those assets will be distributed after your passing. Assets may include real estate, bank accounts, investments, life insurance, personal property, etc.

Whether you need a Living Trust, a Last Will and Testament, a Living Will or Durable Powers of Attorney, Strategy Financial Group will help ensure that all of your Estate Planning needs are fulfilled.

Strategy Financial Group does not provide specific legal or tax advice. Please consult with your tax advisor or legal professional for guidance with your individual situation.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Life Insurance

While life insurance is not something one necessarily likes to think about, having a solid policy in place can offer a number of benefits not the least of which is peace of mind. Life insurance can be used to help protect loved ones (a spouse, young children or other dependents) from loss of income in the event of your passing so that they do not endure a financial crisis. It can also pay for estate taxes and final expenses (e.g., burial costs, debts, medical expenses) so as not to burden your loved ones, or it can create an inheritance for your heirs. If desired your policy can also be used to make a planned charitable contribution at the time of your death (by making a charity the beneficiary of your policy). Whatever your goal, Strategy Financial Group can help you select the life insurance policy that best fits your needs.

*Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations or early withdrawal fees.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Retirement Income Strategies

Worried about outliving your money? According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94.1 This means that you may need to plan for your retirement savings to last 25 to 30 years — all the more reason to develop a retirement income strategy designed to last a longer lifetime.

Our team of advisors can help you design a retirement income strategy using guaranteed income* from annuities, tax free loans from life insurance, and appropriate investments that align with your risk tolerance and target goals. Through our 3-Step Retirement Roadmap Review we will conduct a thorough financial analysis alongside learning about your lifestyle objectives, then provide a retirement income plan that is tailored to you.

1 RD Marketing Group. 2013. “AG Secure Lifetime GUL with Lifestyle Income Solution.” Prepared by Ernst & Young Insurance and Actuarial Advisory Services practice (analysis uses the Annuity 2000 mortality table with Scale G2 mortality improvements).

*Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations or early withdrawal fees.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Tax Planning Coordination

You can affect your tax bills in retirement. Start working towards controlling the amount of taxes you’ll pay in retirement by enlisting the help of a financial professional and tax advisor to determine a tax-efficient retirement income withdrawal strategy that relies on a balance of both tax-deferred and tax-free retirement vehicles.

Tax planning can be a key element to one's overall financial plan, not only in reducing taxes but also in helping you achieve your overall financial goals. Strategy Financial Group is available to coordinate on your behalf to ensure that your strategic tax planning goals are fully met.

Strategy Financial Group does not provide specific legal or tax advice. Please consult with your tax advisor or legal professional for guidance with your individual situation.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Long-Term Care Strategies

As the oldest baby boomers begin to wind through their 60s, one of the biggest concerns may not be outliving income, but outliving good health.

For retirees, home health care can cost $50,000 or more per year1, and nursing home care can run as high as $80,0002 per year. Does your retirement income strategy account for this kind of possibility? Would you be prepared for twice that amount as a married couple?

Considering that you could have to reduce your financial means before Medicaid will pay for long-term care, and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.

After we discuss your long-term care preferences and expectations, Strategy Financial Group will help you determine how to best pay for long-term care costs and protect your assets before the need arises.

1GenworthFinancial. March 2015. “Genworth 2015 Cost of Care Survey: Home Care Providers, Adult Day Health Care Facilities, Assisted Living Facilities and Nursing Homes.”

2 MetLife. November 2012. “Market Survey of Long-Term Care Costs.”

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

IRA & 401(k) Rollovers

When you change jobs or retire, there are four things you can generally do with your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10 percent additional federal tax if you are younger than age 59½)
  • Transfer the money to another employer plan (if the new plan allows)
  • Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Risk Management

Are you comfortable with how your portfolio aligns with your investment goals and expectations?

The average investor consistently underperforms in every investment class on the market. It happens because most people invest outside the bounds of their risk tolerance. When the market is up, they tend to buy. When the market pulls back faster than they expected, fear takes over and they sell – perhaps locking in a horrible loss. Then they usually stay out of the market until it feels safe again and they buy back in even higher.

We can help you break this cycle. We use Riskalyze, a program that uses Nobel prize-winning science to pinpoint how much risk you can bear. Based on your established risk tolerance level, we can keep your portfolio within your comfort zone while the market moves up and down. That way, you can stay invested, avoid reacting to market downturns, and let the long term behavior of the markets get you where you need to be.

Have Questions for Strategy Financial Group?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

We can also refer you to professionals who provide the following services:

» Estate Planning » Tax Planning » Long Term Care » Medicare Supplemental Insurance » Mortgages

Get access to our helpful retirement kit which includes three guides that address topics you should consider when planning your retirement.

The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

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*Guarantees provided by life insurance and annuities are backed by the claims-paying ability of the insurer.

Strategy Financial Services, LLC may transact business only in states in which it is registered, or in which it is excluded or exempted from registration. Strategy Financial Services, LLC is currently registered in Arizona. Investment advice is offered through Strategy Financial Services, LLC, a Registered Investment Adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

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