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Retirement, Insurance & Financial Planning in Sedona

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Everyone wants financial independence. Not everyone knows how to achieve it, though. At Benefit & Financial Strategies, we aim to change that.

Benefit & Financial Strategies has been proudly serving the individuals and families of Sedona, Arizona, since 1988. Using our education and experience, we take a proactive, personalized approach to supporting individuals, families, and businesses in developing and achieving their financial goals.

Throughout the Sedona, AZ community, Benefit & Financial Strategies has been recognized as a trusted financial service and strategy provider for individuals and families. We care about the success of communities in northern Arizona, and our business reflects that. When you partner with us, you will have access to our network of financial professionals who will give you our full attention, listen to your needs, wishes, and goals, and provide you with insights and advice to help achieve a bright financial future.

Individual Planning Services in Sedona, AZ

Client Centered

Planning Services

At Benefit & Financial Strategies in Sedona, AZ, we provide you with the tools and guidance you need to prioritize your financial goals and create a plan and timetable to achieve them. Our financial professionals offer various financial planning services, including estate planning, retirement planning, budgeting, and investment services. Financial planners can help you prioritize your financial goals, pay down debts, and find ways to reduce spending. Below are some of the services we offer:

  • Live Financial Planning and Projections — Live financial planning reflects your current financial position relative to your preferred position. This allows you to take action and ensure that you achieve your personal goals for the future.
  • Retirement Income Plan & Design — For many Americans, retirement planning stops and starts with their contributions to a 401k plan in the workplace. However, many of the best financial professionals recommend a wider variety of retirement plans, including a mix of traditional Roth savings plans that balance the tax savings you enjoy in retirement with your cash flow needs.
  • Portfolio Analysis and Design — There are few things more vital to your financial future than a long-term investment strategy. Designing an investment portfolio requires deliberate, individualized decision-making that considers the investor’s current financial snapshot and long-term goals.

Financial Services

When you search online for a financial professional near me in Sedona, Arizona, you’ll find pages of financial professionals who narrowly focus on portfolio management or retirement planning. However, for Sedona, Arizona individuals and families seeking a more personal, comprehensive, human approach to financial planning, there’s Benefit & Financial Strategies. We offer a robust suite of individualized financial products and services to help achieve a bright financial future, including mutual funds, brokerage services, annuities, fee-based wealth management, and college financing strategies. Below are some of the services we offer:

Fee-based Asset Management

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.

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College Funding Strategies

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.

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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.

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Brokerage Services

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.

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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.

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Retirement Services

Individuals and families in Sedona, Arizona, have many ways to save for retirement, but it's not always easy to determine the best approach. At Benefit & Financial Services, we help you understand the retirement savings vehicles available and determine how they can help you achieve your goals, including traditional Roth IRAs, simple SEP IRAs, and fixed and variable annuities. Below are some of the services we can help with:

Traditional and Roth IRAs

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.

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Simple and SEP IRAs

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

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Fixed and Variable Annuities

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.

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Insurance Services

While savings and investment products make up the bulk of a long-term financial goal, insurance planning is a critical element of every comprehensive financial plan. Accordingly, we offer a suite of insurance products and services to protect Sedona, AZ, families from economic downturns, including life insurance, Medicare supplement plans, long-term care insurance, life insurance, disability insurance, and Marketplace consultations. Below are some of the services we can help with:

Long-term Care Insurance

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.

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Medicare Supplement Plans

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.

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Marketplace Consultations

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.

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Life Insurance

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.

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Disability Income Insurance

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.

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Group Employment Benefits

At Benefit & Financial Strategies, we provide employers in Sedona, Arizona, with a comprehensive suite of services and strategies that help them support their employees and grow their businesses. Group employment benefits are essential to attracting, hiring, and retaining the most talented employees. Offering just basic group employment benefit options is not enough anymore. Businesses need to be able to offer their employees competitive benefits.
Benefit & Financial Services can empower employers to offer their team the best in group employment benefits and services like:

Client Centered
  • Medical Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Plans
  • Long-term Care Insurance
  • Medicare Supplement Plans
  • Marketplace Consultations

It is important to take care of the employees that keep your business running smoothly. At Benefit & Financial Strategies, we can help support you in providing your employees the benefits they deserve.

Retirement Services for Employers

Navigating the many options of group retirement plans and deciding what to offer your employees can be challenging. Every employee’s path to retirement is different. It is essential to offer a robust list of options that will allow your team to get the most out of their retirement savings and create the future they want and deserve. Offering competitive retirement services is a very important aspect of recruiting and retaining top talent and positioning your business ahead of your competitors.
At Benefit & Financial Strategies, we can help you learn about and select:

Client Centered
  • Pension, Profit Sharing, 401(k) Plans, 403b Plans
  • Buy/Sell Agreements
  • Simple and SEP IRAs
  • Deferred Compensation and Defined Benefit Plans
  • Succession Planning
  • Executive Benefits
  • And more

Navigating the world of group retirement plans can be challenging. Benefit & Financial Strategies offers small business retirement plan services so employers in Sedona, Arizona, can implement and manage executive benefit plans and succession planning services with the support of a dedicated service representative.

About Benefit & Financial Strategies

Benefit & Financial Strategies is a comprehensive financial firm offering business continuation planning, employee benefits, estate analysis, health and medical plans, investment strategies, life insurance planning, and retirement planning. At Benefit & Financial Strategies, our mission is to provide our clients with personalized services tailored to their needs. We are committed to offering competitively priced products while serving and supporting our community. Dedicated to assisting with customer expectations, we stay up to date on new technologies, and we build partnerships to provide additional support for our clients. Our professionals use the most current research findings to inform and offer unbiased, objective advice to both individuals and employers in all of Northern Arizona as well as the Phoenix area and some neighboring states, including Colorado, Utah, and California. Headquartered in Flagstaff, we truly care about the community and are actively invested in its well-being. Benefit & Financial Strategies and its employees are proud to volunteer, donate, and play an active role in deciding the future of northern Arizona.

Financial Planning FAQs

What is Financial Planning?

Financial Planning is the process of taking a comprehensive look at an individual’s or an organization’s financial situation. The goal of financial planning is to build a specific roadmap to reach your financial goals. Financial planning requires diving into multiple areas of finance, including investing, taxes, savings, retirement, your estate, insurance, and more.

How Do I Invest Money Wisely?

Everyone's financial situation is unique to them. Because of this, the best way to invest will depend on your specific financial situation. It's important to have a detailed understanding of your income and expenses, assets and liabilities, responsibilities, and goals when building a sound investing plan. To ensure you are investing wisely, seek the guidance of a qualified financial planner who can help you maximize your investment while operating within a tolerable level of risk for your situation.

How Much Do I Need to Retire?

Retirement is often the first topic of conversation that people have with their financial professionals. Although many calculators and benchmark numbers are floating around, all of these should be taken with a grain of salt. There is no cookie-cutter answer to how much money an individual will need in retirement because life is full of variables and unforeseen costs. A financial planner can help you prepare for retirement by using their professional experience to walk you through your options and help you to structure your financial assets to provide you with a steady income to support you in your retirement.

How Much is Health Insurance?

Across the United States, Americans pay different amounts for a wide variety of coverage plans. Because of the vast number of health insurance options available there is no easy answer to how much health insurance costs. A qualified professional will be able to guide you through the ins and outs of each option so you can find the one that is a perfect balance between affordability and the coverage you need.

What are Group Benefits?

Group benefits are insurance that covers a group of people. It is common for employers to provide group benefits for their employees as a benefit of working for the company. Group coverage helps reduce premium costs because it reduces the insurance carrier's risk by creating a pool of people to insure who are together for reasons other than obtaining insurance. 

Benefit & Financial Strategies - Meet Our Team

What We Love About Sedona

The city of Sedona is uniquely situated in Arizona’s high desert under the southwestern rim of the Colorado Plateau. The city straddles the Coconino and Yavapai county lines on Highway 89A. Sedona is a very popular tourist destination for people looking to take advantage of mild seasons, clean air, and lots of sunshine.

The city has a temperate semi-arid climate. The average high temperature in January is 57 degrees Fahrenheit with a low of 31 degrees Fahrenheit. In July, the average high is 97-degrees Fahrenheit with a low of 64 degrees Fahrenheit. Sedona is famous for its red rock formations, an abundance of trails, and recreation activities and is one of Arizona’s premier tourism, recreation, resort, retirement, and art locations.

The city started as a farming and ranching community in the late 1800s. Famously, Sedona got its name from Theodore Carlton Schnebly, the city’s first postmaster, who named it after his wife Sedona Arabella Miller Schnebly.

<strong>&#160;Uptown Sedona</strong>

 Uptown Sedona

Uptown Sedona is the last stop before entering Oak Creek Canyon located on State Route 89A, 0.3 miles north of the junction of 89A and State Route 179. It offers a variety of shops, galleries, restaurants, and local art.

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<strong>Bell Rock</strong>

Bell Rock

Bell Rock is a butte just south of Sedona in Yavapai County. Its summit, at an elevation of 4,919 feet, offers a panoramic view of the surrounding landscape including Courthouse Butte in the east. Bell Rock offers many great hiking opportunities. The most popular trail, a 3.6-mile hiking and bike trail, is aptly named The Bell Rock Pathway.

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<strong>Devil's Bridge</strong>

Devil's Bridge

Devil’s Bridge is the largest natural sandstone arch in the Sedona area. The Devil’s Bridge Trail is an extremely popular hiking spot that allows visitors to hike a short distance to the 50-foot arch. The trail splits into a lower trail that allows visitors to walk under the arch and an upper trail that leads up on top of the red rock formation. The adventurous can even walk across the arch.

Nearby Areas Served

<strong>Village of Oak Creek</strong>

Village of Oak Creek

The Village of Oak Creek is just south of Sedona on Highway 179 and is a laid-back residential and business community. The Village of Oak Creek offers three area golf courses, many hiking trails, picturesque cafes, and numerous shopping opportunities for visitors to take advantage of.



Cornville is located just south of the city of Sedona on the banks of Oak Creek. Cornville sits at an elevation of approximately 3,500 feet and has comfortable year-round temperatures. The small town has a storied history and features an abundance of Native American ruins from the ancient Sinagua tribe that lived in the area centuries ago.

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<strong>Kachina Village</strong>

Kachina Village

Kachina Village is a small community north of Sedona, near Flagstaff. It primarily serves as a bedroom community for Flagstaff as it offers cheaper living options compared to properties within the Flagstaff city limits. Located just a couple of miles south of Flagstaff, Kachina Village shares proximity with all of the great trails, parks, and restaurants Flagstaff has to offer.

<strong>&#160;Lake Montezuma</strong>

 Lake Montezuma

Lake Montezuma is a small town 20 miles south of Sedona in Yavapai County. The community was originally known as Beaver Creek, named by the farmers and ranchers who originally settled the area. They named it Beaver Creek after the number of beavers found along the banks of the creek that winds through the area. 

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