Financial Services
One stop. Many options.
The cornerstone of our work is The Personal Retirement Action Plan, (P-RAP for short). The P-RAP is a multi-faceted nest-egg optimizing plan that prescribes a course of action across virtually every area of Retirement Planning in a fashion completely unique to your situation and lifestyle goals. Your P-RAP is built with the planning modules below:
Financial Planning
- Flat-fee financial planning
- Identifying "What's missing" from your current financial plan
- Reducing hidden mutual fund costs
- Roth conversion analysis
- 401(k) to IRA benefits
- Leaving a legacy for your loved ones
- Reducing future estate taxes
- Social Security claiming strategies
- Long-term care protection
- Charitable gifting strategies
Retirement Income Planning
- Tailored "Bucket-Model"Retirement Income Solutions
- Measuring the probability of your retirement success
- Creating your Retirement Income Plan
- Quantifying your Retirement Income Gap
- Closing your Retirement Income Gap
- Investments to potentially generate retirement income
- Tax-free IRA distributions
Tax Planning
- CPA Larry Brown brings almost 30 years of tax-planning experience to the table and carries the honor of being the highest-scoring CPA in Illinois
- Potentially reducing or eliminating federal income taxes through investment planning
- In-house tax return preparation
Medicare Optimizing Strategies
- Medicare expert Daniel Bondinell has focused solely on Medicare Planning since 2010 with special attention to how it fits into a comprehensive retirement plan
- Translating complicated Medicare codes into easy-to-read options for you and your spouse
- Finding the most cost-effective supplemental policies for your drug plans and Advantage Plans
Estate Planning
- In-house Estate Planning Attorney Gregory P. Turza, J.D. specializes in Estate Planning Law and has helped hundreds of PFS clients avoid unforeseen legacy disasters.
- Living Trust Planning
- Protecting your family's inheritance from probate or unintended beneficiaries
- Shielding assets from lawsuits and creditors