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Helping You Achieve Your Financial Goals

Helping You Achieve Your Financial Goals

Financial Services in Lake Havasu City

Finding the right financial strategies for yourself, your family or your business in Lake Havasu City can be hard. You're great at what you do for a living, but you know financial planning takes specialized education and experience. It's tough to know exactly where to start. You need help choosing the right investments and strategies, but the thought of working with some big firm on the other side of the country doesn't seem appealing.

If that sounds familiar, welcome to Benefit & Financial Strategies, a local financial advisory services firm serving Lake Havasu City and the surrounding areas. We know you work hard for what you have and what you've built. Turning to professionals for financial planning services just makes good sense. Our local team is dedicated to helping Lake Havasu City families and businesses make suitable decisions when it comes to their finances and benefits. We understand the local market and are committed to the financial wellbeing of our community.

We're here to assist you in helping to achieve the financial future you deserve, whether it's through comprehensive planning, life planning, projections, retirement planning, portfolio construction, insurance, or other financial strategies.

Lake Havasu City businesses trust us with building retirement plans and group benefits packages that help bring top talent to the area and help you take care of your most valuable asset -- your employees.
Read on to learn more about the specific financial services for individuals, families, and businesses offered by your local Benefit & Financial Strategies team.

Individual Financial Services

Taking care of your family and protecting your financial future is a top priority for just about everyone. Below, take a look at some of the financial services we regularly offer to individuals and families in the Lake Havasu City area.

Retirement Services

Retirement is meant to be one of the best periods of your life – one that finally gives you the time and freedom to focus on doing what you love and spending time with family and friends. It's called the Golden Years for a reason, after all. But without enough money saved up to last you through your retirement years, this special time in your life could wind up being stressful not only for you but for your family as well.

A smart retirement plan is essential for ensuring that you're able to get the most out of these years. While it's always best to start early, there's good news if you're coming to the party a bit late. It's never too late to start your retirement planning!

At Benefit & Financial Strategies, we know that there is no one-size-fits-all retirement strategy. We'll work with you to determine how much you'll need to fund your retirement years, and strategize options that are built with your goals in mind.

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Financial Services

A lot goes into crafting a successful financial plan that safeguards your future and that of your family. Researching investing strategies, keeping tabs on emerging market trends, and managing your assets are all time-consuming but essential parts of a great financial plan. Add to that the need for retirement planning and finding insurance services that will protect you and your finances, and it can be downright overwhelming.

It pays – quite literally – to turn to the professionals for financial services in the Lake Havasu City area. Our professional team is available to help with: asset management strategies annuities, brokerage services, college funding strategies, mutual funds, and more

At Benefit & Financial Strategies, we not only take the burden of financial planning off your shoulders, but we keep you informed and prepared to make strategic decisions about your retirement, savings, and investments.

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Insurance Services

Are you concerned about the impact a medical emergency or another similar life event could have on your financial future? You're not alone. Many Lake Havasu City residents feel the same and have turned to the local team at Benefit & Financial Strategies for help in crafting an insurance package designed to help protect them and their families.

These days, health insurance – not to mention the many other kinds of insurance available to you – are more than simply a "nice-to-have" benefit offered by your employer. They're absolutely essential, thanks to the rising cost of healthcare in the country. If you're self-employed, you'll need to take matters into your own hands, and we're here to help.

There are many different insurance options available to you. We'll work together to match you with a plan that fits your budget while ensuring you have the coverage you need to help protect your finances in the event of an emergency.

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Planning Services

Building a strong financial future for you and your family is overwhelming. From reassessing or adjusting your investments, to exploring a variety of financial planning strategies, the team at Benefit & Financial Strategies can guide you every step of the way. We equip individuals and families with the tools to help make wise financial decisions so you can feel confident that you're not only preparing for the future but building wealth in the process.

One of the things that make Benefit & Financial Strategies a favorite for financial planning services among Lake Havasu City residents is our focus on personalized service and a relationship built on trust. We are your neighbors, and we want to see you succeed. No two financial plans are the same, so we work to research strategies suited to your unique circumstance. When you work with the local team at Benefit & Financial Strategies in Lake Havasu City, AZ, you'll know we are keeping an eye on your investments or looking into tax-mitigating efforts.

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Employer Financial Services

Lake Havasu City area employers have needs when it comes to financial services. Read on to learn more about how we're helping local businesses grow and thrive through local employer financial services.

Client Centered

Group Employment Benefits

If you're a small business owner, one of the most important decisions you'll make about your company is what benefits to offer your employees. A health plan or life insurance policy might be what comes to mind first, but they are far from the only options. Choosing the right package of benefits for your team has serious implications. A great benefits package can help you attract top-tier talent to your business, and can help your current employees feel valued and respected.

The stakes are high. That's why Lake Havasu City employers trust the local team at Benefits & Financial Strategies for group employment benefits planning services. Beyond the standard medical, dental, and vision, we can help you put together a comprehensive plan that incorporates:

  • Long-term Care Insurance
  • Medicare Supplement Plans
  • Marketplace Consultations
  • Life Insurance
  • Disability Income Service
  • and more

Your local financial professional will guide you through the process and help you understand the essential factors to consider for both your employees and your team. In the end, you'll have a group benefits package that will make your employees proud to say they work for you.

Client Centered

Retirement Services for Employers

Just as you are concerned about your retirement years, so too are your employees. They want to be able to enjoy their golden years without worrying about their financial security. Offering them a competitive retirement package shows them you care about their wellbeing, and that you value the work they put in day in and day out.

There are several types of retirement plans you can offer your employees, including:

  • Traditional IRA.
  • Roth IRA.
  • SEP IRA.
  • Simple IRA and Simple 401(k)
  • Solo 401(k)
  • and others

We'll help you design retirement options suited to your staff and your business that will help ensure a bright financial future for your most valuable asset – your employees.

Benefit & Financial Strategies - Meet Our Team

Financial Planning FAQs

What is Financial Planning?
Financial planning, as the name suggests, is the process of planning for your financial future using a wide range of financial strategies. It takes into consideration all aspects of your financial situation such as current net worth, expected income (salary), expenses, goals, and realistic investments. The overall goal of financial planning is to help clients plan for their future in a way that aligns with their goals and risk profile.

As a local financial professional, the team at Benefit & Financial Strategies provides advice and guidance on investment strategies and portfolio management to businesses and individuals, among other strategies, with the goal of creating a custom plan to help clients achieve their goals.

How Do I Invest Money Wisely?
Ensuring you are investing your money wisely almost always means working with an experienced professional who can guide you through the many options and strategies designed to make your money work for you.

Should your money be in stocks or bonds? U.S.-based or international? What about alternative investments, such as hedge funds or real estate? Finding a financial professional is the first step towards answering these questions so you can be investing your money wisely and within your unique level of risk tolerance.

How Much Do I Need to Retire?
It is a question that plagues many people, but it turns out the answer isn't always as elusive as you might think. It all comes down to assessing your current lifestyle, the lifestyle you hope to lead in retirement, and calculating just how much that will cost when your retirement years arrive.

The team at Benefits & Financial Strategies will take those factors into consideration, along with your current financial state, and determine how much you'll need to save and the method of investing that savings required in order to help you achieve your retirement goals.

How Much is Health Insurance?
Health insurance is an essential component of your life that you cannot afford to ignore. However, with rising medical expenditures and health insurance premiums, health care (and the absence of it) has become a significant cost for most Americans. As such, it's natural to wonder just how much this essential expense will cost you.

Unfortunately, the answer isn't always clear right off the bat. The cost of health insurance varies widely from one person or family to the next. The cost of health insurance is influenced by many factors, including:

  • Age
  • Location
  • Income level
  • Preexisting conditions
  • and more

There's no doubt that health insurance is a must-have these days. Fortunately, the Lake Havasu City team at Benefit & Financial Strategies can help you find a policy for yourself, your family, or even your employees that meets your needs at a price you can manage.

What are Group Benefits?
Group benefits are a way of reducing the cost of insurance coverage for your employees by pooling the risk into a larger group. These kinds of benefit packages have become an essential part of building a benefits package for employees that is designed to help increase employee retention and satisfaction. Offering great group benefits can also help a business attract highly-qualified job seekers, and can help them stand out from the crowd.

Examples of group benefits include:

  • Medical, dental, vision care plans
  • Saving plans
  • Disability income protection
  • Disability income protection
  • Short-term or long-term disability coverage
  • Accidental death/dismemberment plans
  • and more

What We Love About Lake Havasu City

Lake Havasu City is a city in Mohave County, Arizona, United States. It is in the northwestern corner of the state, about 112 miles from Las Vegas, Nevada. Situated on the border of Arizona and California, and known for the beautiful waters of Lake Havasu and the Colorado River, it has become a popular destination for residents of both states.

Lake Havasu City is a wonderful destination for families, company retreats, and sports enthusiasts. The weather is warm year-round with the wet season occurring between July and October. Summer temperatures can exceed 100 degrees Fahrenheit, making water sports a popular summertime activity.

The city offers 3 public parks, several marinas with boat rentals including houseboats, a full-service downtown convention center, the Castle Havasu Backstage Dinner Theater & Dance Club, and many other attractions. One popular newer attraction is the Seven Magic Mountains light art installation showcasing seven colorful stacks of granite boulders on US 93 just south of Lake Havasu City.

Here are a few of our favorite destinations in the area:

London Bridge

London Bridge

It might surprise you to learn that London Bridge in Lake Havasu City was, in fact, built in London and once spanned the River Thames. Crossing the Bridgewater Channel Canal, London Bridge was first built in the 1830s and later purchased by Robert P. McCulloch as a tourist attraction. The structure of the bridge itself was rebuilt to withstand modern-day traffic, however, the exterior is clad in the original masonry, giving it a distinctly old-world feel.

Lake Havasu State Park

Lake Havasu State Park

This state park is a nature-lover's paradise. Located on the shores of Lake Havasu, this area offers a wide range of recreational activities, including camping, picnicking, boating and fishing. The park has over 100 miles of hiking trails and an observatory with a 30" telescope for stargazing. In addition to campsites with full amenities, the park also has five wilderness areas that are ideal for those looking for adventure or solitude. Make sure to attend one of their interpretive programs to learn more about the natural history surrounding you!

Museum of History

Museum of History

Sitting adjacent to London Bridge, The Lake Havasu Museum of History is a non-profit organization located in Lake Havasu City, Arizona. The museum features exhibits on Lake Havasu's cultural and natural history. Visitors will enjoy the museum's collections of costumes, pottery, and baskets from the Havasupai tribe as well as displays about Lake Havasu City's history.

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Nearby Areas Served

The team at Benefit & Financial Strategies is proud to provide financial services to the residents and businesses of Lake Havasu City, AZ. Read on to explore some of the other areas in the region that we serve.

Crystal Beach

Crystal Beach, AZ is a small residential area located near Lake Havasu City with a small but growing population. Despite its small size, the area is not to be overlooked, and the team at Benefit & Financial Strategies is happy to provide financial services to individuals, businesses, and families in the area.

Desert Hills

Located south of Crystal Beach and adjacent to the Lake Havasu City airport is the Census-Designated Place (CDP) known as Desert Hills. Along the section of Desert Hills that borders the Colorado River, visitors will find Castle Rock and Castle Rock Bay, part of the Havasu National Wildlife Refuge. Popular activities in this peaceful area include stand-up paddle boarding and canoeing along the rock formations that border the bay.


Situated south of Lake Havasu City along the Colorado River is Parker, AZ. Parker is the county seat of La Paz County, and is known as the gateway of the Lake Havasu region and Colorado River. Water activities abound, and visitors will also enjoy the ghost town, casino, museums, restaurants, and bars located in the area.


South of Lake Havasu City and Needles, CA lies the boating town of Topock, AZ. Originally called Mellen, Topock originally featured a railroad station and steamboat landing located near the Red Rock Bridge, a cantilever railroad bridge built by the Atlantic and Pacific Railroad in 1890. From river excursions to fishing and boating, Topock, AZ is all about the water and its iconic Route 66 history!


Originally an order office and water fill station for Atlantic and Pacific Railroad in the 1800s, Yucca, AZ can be found along I-40 and historic Route 66 to the northeast of Topock, AZ. These days, Yucca is primarily a residential area and is also home to the Chrysler Proving Grounds.