Income and Retirement solutions for todays volatile markets

APPS Financial Group, Inc. is an independent, financial advisory firm which specializes in financial planning for retirees and those about to retire. We are here to educate and provide information to help people make the right decisions in an ever changing market. We realize that no two situations are exactly the same and that is why our services are flexible enough to create a customized financial strategy that can help you reach your goals.

Office Hours  -  By appointment only

Monday - Thursday     8:30am - 4:00pm

Fridays                         8:30am - 1:00pm

After hours available for specail circumstances

We provide advice and solutions to meet your needs in each of the following areas:

Investments

  • Actively Managed Portfolios - Strategic or Tactical 
  • Income Producing Investments
  • Non-Correlating Asset Classes
  • Protecting Your Principal
  • Organizing Your Investment Information

Retirement Planning

  • Social Security & Company Benefit Coordination
  • 401K Rollover Planning
  • Analysis of Pension Options
  • Realistic Goal Setting

Insurance Coverage

  • Life Insurance
  • Long Term Care - Health or Life Based coverage
  • Medicare Supplements
  • Burial Policies
  • Review of Existing Policies

Estate Planning

  • Coordination of Legal Documents
  • Beneficiary Reviews
  • Wealth Distribution to Family or Charity

Tax Planning

  • Tax Return Review
  • Strategies to Reduce Tax Burden

 

 
Calculators

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

More Calculators →

Newsletters

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

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