Services We Provide

Financial Advisement and Wealth Management

 
Our comprehensive financial management services include investment management, estate planning, insurance, and tax strategies.  From individuals who’ve accumulated assets and need experienced counsel and highly individualized solutions, to the person just starting out, we can help.
 
Planning Services
  • “Live” Financial Planning and Projections
  • BFS Wealth Management System
  • Retirement Projections & Income Design 
  • Portfolio Analysis and Design
  • Socially Conscious Investing
  • Estate Analysis
  • Charitable Giving
  • Estate Liquidity and Transfer Efficiency
  • Wealth Enhancement and Replacement
  • Insurance Planning
 
Financial Services
  • Fee-Based Asset Management
  • Separately Managed Accounts
  • College Funding Strategies (529 Plans and Coverdell Educational IRAs)
  • Mutual Funds and Wrap Programs
  • Brokerage Services
  • Real Estate Investment Trusts (REIT)
  • Alternative Investment Options
  • CD and Savings Vehicles
  • Fixed and Variable Annuities
  • Equity Indexed Annuities
 
Retirement Services for Individuals and Businesses
  • Pension, Profit Sharing, 401(k) Plans
  • Cash Balance Plans
  • Buy/Sell Agreements
  • 412(i) Plans
  • Traditional and Roth IRAs
  • Simple and SEP IRAs
  • 403(b)
  • 457 Deferred Comp Plans
  • Fixed and Variable Annuities
  • Deferred Compensation and Defined Benefit Plans

On-site Employee Financial Education Courses (College Accredited)**

 
 
 
Group Employee Benefits
 
For employers ready to shop or re-shop benefits, consider us an extension of your HR department.
 
Benefit & Financial Strategies offers an intelligent and potentially cost-saving alternative for all your company’s benefits needs. In serving northern Arizona families and employers for more than 30 years, we’ve built relationships with a vast network of insurance carriers.
 
We specialize in creating plans for small and large employers that are both flexible and affordable. During our in-depth planning process, we’ll take the time to ensure you get the appropriate coverages for your company’s unique situation.
 
Keep in mind that there’s no cost to use Benefit & Financial Strategies as your insurance broker. In fact, our services may actually save your company money because, in addition to getting the most cost-effective plan, you’ll also gain your own dedicated service specialist to deal with any day-to-day issues.
 
  • Medical Insurance (including PPOs, HSAs, HRAs)
  • Dental Insurance
  • Life Insurance
  • Vision Plans
  • Long-Term and Short-Term Disability Plans
  • Workforce Long-Term Care
  • Supplemental Insurance
  • COBRA and FLEX/Cafeteria Plans
  • HSA Brokerage/Investment Options
  • Key Person Insurance
  • Business Life Insurance
  • Custom HR Portal for employee benefits and coverage within your own intra-net

 

 
Health Insurance Plans for Individuals
 
We understand how difficult it can be to secure health insurance for you and your family when you’re not part of a larger group. Regardless of your situation—if you’re self-employed, between jobs, or your employer doesn’t offer benefits—let us suggest a way for you to obtain the best insurance plan for your budget and needs.
 

 

** "Fundamentals of FinancialPlanning" is offered by Heartland Institute of Financial Planning, AZ initiative.  Courses are taught by Certified Financial Educators (CFE) and can qualify participant for college credit (with matriculation), continuing ed., & non-credit professional development requirements.  Courses are strictly educational and permit no sales or company specific information to be presented.  Participants are under no obligation and will not be encouraged to do business with BFS or any of it's affiliates.  Please contact us or click here for more information.

 

 

*Securities offered through Ameritas Investment Corp., (AIC), member FINRA, SIPC.  AIC and Benefit & Financial Strategies are not affiliated.  This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. Insurance and securities products may be limited to the residents of Arizona & other states that representatives are licenced in.