Financial Services

Americans today are overwhelmed by government bailouts, the volatility of the stock market, taxes that can erode their savings, and constantly changing government regulations. Many Americans believe that you have to tolerate risk in the market to achieve a good retirement, but this isn’t always the case!

We cannot control areas of the financial world such as Wall Street, the stock market, or the recession, but we should try to control the areas of our retirement that we can, like tax and risk strategy. Arizona Financial Solutions provides clients with personalized retirement strategies and helps eliminate the hidden obstacles in retirement.

Our services include:

Social Security Benefits

With so many different options for how and when to take Social Security benefits, many retirees wonder about the best strategy. At Arizona Financial Solutions, we help by maximizing Social Security with in-depth analysis on your individual situation to determine when to take your benefits and how to file. Understanding how your Social Security income is taxed is also a priority for many retirees. Our experience with benefits helps us show how you might be able to increase income and reduce taxes.

In retirement, two common gaps in Social Security are the death of a spouse and working income versus retirement income. To help close those common gaps, Mark can help you:

• Properly file for Social Security benefits
• Potentially maximize the amount you’re eligible for
• Avoid the most common mistakes people typically make when claiming their benefits
• Find out how much income and Social Security you can likely expect to receive
• Discover how Social Security is typically taxed

Estate Planning

It is an important part of every retirement plan to have an estate strategy to help protect your legacy. We work with skilled attorneys with an expertise in living wills, trusts, powers of attorney, and other estate planning documents to make sure your legacy is transferred to who you want when you want them to receive it.

Mark uses estate planning strategies that may help minimize estate taxes and help prepare for incapacity or chronic illness, including the “Guardian Trio” documents:

• Living Will
• Health Care Power of Attorney
• Financial Power of Attorney

Annuities

Many retirees are considering fixed index annuities (FIAs) as a great option for their retirement funds, because FIAs offer the opportunity to participate in market-linked returns with no market downside. These unique products offer the potential for a steady lifetime income without the same market volatility that can be experienced in 401(k)s and other employee-sponsored retirement plans. We offer a complimentary annuity review for all those in our community who want to understand their existing annuities or potential annuities.

Mark can help you understand what an annuity is and how it has the potential to provide you with supplemental income. Whether it’s an immediate or deferred annuity, fixed or indexed, he’ll walk you through the differences between them, including what the minimum guarantees and fees are, and help you decide which is best for your individual situation.