Retirement, Insurance & Financial Planning in Sedona

With fee-based asset management, the financial professional cost is based on the value of a client’s investments, not the number of transactions. As a result, fee-based financial services eliminate some investors' concerns about potential conflicts of interest between investors and financial professionals.

Working with one of our financial professionals can develop a college savings or gift strategy to save for your children or grandchildren. Our financial professionals will help you assess your current financial situation and education saving goals so you can find the savings vehicle that works best for you.

Mutual investment funds are a collection of shares, bonds, and other securities managed by an investment company. Each fund accumulates a pool of money from investors that is then invested according to the objectives set out in the fund prospectus.

Benefit & Financial Services offers traditional brokerage services for individuals and families in Sedona, AZ. Our professionals build a personal relationship with each client, managing their investment decisions and providing high-touch, ongoing financial and investment advice and support.

Annuities can be an integral part of your long-term retirement strategy, providing direction to overcome risks and important optimal benefits to help protect your financial future. Our financial professionals assist our clients with identifying and investing in annuities and other investment vehicles to help them achieve their investment goals.

The most common types of individual retirement accounts are traditional and ROTH IRAs. Individual contributions to a traditional IRA are tax-deferred until withdrawal and contributions you make to a Roth plan do not generate an additional tax liability when withdrawn in retirement. As a result, most people benefit from investing retirement savings in various savings products, including both traditional and Roth accounts.

Simple and SEP IRAs are popular retirement savings vehicles among small business owners. The invested funds will grow, tax-deferred, until withdrawal.

When you purchase a fixed or variable annuity, you are essentially buying a future income. With a fixed annuity, your tax-deferred investment grows at a fixed rate over the annuity's term. When you purchase variable annuities, you achieve returns that vary according to the type of investment you choose. Our advisors can help you evaluate different annuities to determine which best fit your current plans and help you achieve your future financial goals.

Long-term care insurance policies may provide coverage for home health and personal care, nursing home care, assisted living facilities, adult daycare centers, community facilities, or a combination of these services. Each individual’s financial goals and circumstances will influence the types of coverage they need, so we work closely with each client to understand their situation and recommend the policies that best suit their needs.

If you receive Medicare benefits during retirement, a Medicare Supplement Plan (often called a Medigap policy) can help pay deductibles, coinsurance, copayments, and other uncovered expenses. Those on Medicare will also need to purchase a private drug plan to cover medications that aren't covered or available through Medicare.

Anyone who qualifies for coverage through the Affordable Care Act can shop for a plan through the public Marketplace. However, many people prefer the help of an experienced consultant to ensure they are purchasing a health insurance plan that meets both their physical and financial needs.

Life insurance is critical to long-term financial planning. If your family relies partly or entirely on your income, life insurance can help cover expenses and provide for them after you pass away.

If injury or illness makes you unable to work, disability income insurance can replace your income (typically between 50 to 70 percent). Without disability income insurance, you may have to use your personal or retirement savings to cover regular expenses and unexpected medical costs.