How We Help
We’re committed to building trust, relationships and strategies that fit your unique retirement needs.
The S.M.A.R.T. Approach Process©
Navigating the complexities of retirement can be daunting. The S.M.A.R.T. Approach Process©, our five-step method to financial planning, helps address common concerns, simplify decision-making and provide a practical pathway toward your retirement goals.
Income for Life Plan
To create an income plan that seeks to provide you and your family sustainable and reliable income in your retirement.
- Optimize Social Security
- Build Personal Pension Strategy
- Help Control Inflation
Risk Management Plan
To work toward reducing unnecessary risk from your portfolio, while still seeking growth through reasonable rates of return.
- Conduct a portfolio stress test
- Explore fixed/guaranteed strategies
- Identify potential for efficiency with Risk, Fees and Taxes (3 Tiered System)
Health Care Plan
To anticipate the greatest potential out of pocket financial risk in retirement and create a plan to offset this risk with savvy health care options for you and your family.
- Review your current situation to find the most suitable Medicare Plan option
- Analyze potential Long-Term Care and LTC alternative needs and best strategies
Tax-Efficient Plan
To make sure you pay the lowest amount of taxes as allowed by law through tax reduction strategies and create tax-free income when possible.
- Review tax return to identify opportunities
- Review Roth IRA options – contributions and conversions
- Format options to allow tax-free distributions to beneficiaries
Legacy Plan
To help ensure that your loved ones and institutions receive all that you have planned for them. And to implement a plan that insures a savvy and smooth transition from you to them.
- Review all titling of assets / beneficiary designations
- Review Charitable Inclinations – Best Strategies
- Build Strategies for any potential tax liabilities
We design strategies that help accomplish
Three Key Goals
At PFS Wealth Management Group, we’re dedicated to crafting personalized financial strategies that align with your unique aspirations and needs. Through prioritizing growth, preservation and giving, we help empower you to achieve your retirement goals with confidence and clarity.
Growth Opportunities
Our retirement income strategies help you feel confident that your money will last as long as your need it. Unlock new avenues for your wealth that can help you maximize the potential of your retirement.
Preservation
We believe that it’s not only about how much money you have, but how much you get to keep. Taxes, inflation and market risk are all factors we consider when building a strategy around you.
Giving
We understand that leaving a legacy isn’t just about passing money on to those you love. It’s the embodiment of values, lessons learned and memories. We work closely with a team of attorneys and tax professionals to help make sure this important piece of your strategy is accomplished.
Insurance products are offered through the insurance business [insurance business name]. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by [insurance business] are not subject to Investment Advisor requirements. AEWM and [Insurance business] are not affiliated companies.
Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. PFS Wealth Management Group is not affiliated with or endorsed by the U.S. Government or any governmental agency.