Introduction to ARS
Who We Are
Advanced Retirement Strategies is a team licensed, fiduciary professionals with detailed and extensive knowledge of the financial planning process.
For over 30 years we’ve dedicated our practice to helping clients who have spent a lifetime accumulating financial assets successfully transition from being an accumulator to using those assets toward a rewarding and comfortable retirement for the rest of their life.
Our Client commitment
CFP® - The Standard of Excellence
CFP® professionals take a holistic, personalized approach to bring all the pieces of your financial life together. After having met extensive training and experience requirements, as CFP® professionals we have committed to and are legally obligated to uphold the CFP® Board’s ethical standards requiring us to put our client’s needs first. This, in tandem with our fee-based compensation structure allows you to rest assured, putting to rest all fears of financial malpractice.
Our Proven Process
The D3REAM Experience
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse aliquet facilisis tristique. Aenean sollicitudin ex massa, quis semper turpis placerat et. Praesent accumsan elit vitae turpis lobortis, vitae pellentesque purus malesuada. Sed quam sem, maximus eu congue sit amet, ornare eget sem. Etiam sit amet arcu scelerisque, imperdiet turpis eget, euismod velit. Ut nec pretium tellus, sit amet fermentum risus. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Curabitur et pharetra lacus, at varius lacus. Duis at commodo velit. Etiam congue nisl gravida, molestie turpis id, dignissim orci. Pellentesque sollicitudin nulla rutrum dui convallis, et tempus lacus hendrerit.
Nulla ante orci, vulputate at convallis id, ullamcorper sed velit. Pellentesque accumsan in sapien vel dictum. Maecenas efficitur, mauris et mollis mattis, odio erat pulvinar urna, eu dapibus nisi dui sed leo. Phasellus libero risus, ultricies eget est vel, consectetur maximus purus. Suspendisse at lobortis nisi. Etiam ultricies, ante vitae mollis auctor, odio massa vestibulum ante, sed pellentesque augue nunc non nisl. Nulla sem mauris, aliquam consequat rutrum ac, aliquet a mauris. Nam facilisis sem sit amet risus vestibulum viverra. Aliquam volutpat enim a diam venenatis placerat. Etiam lobortis porta sem, sed pellentesque nisi. Sed eros ex, dapibus quis vulputate lobortis, consectetur nec sapien. Vestibulum orci diam, tristique quis gravida id, sollicitudin id dolor. Praesent vel nisl eget tortor faucibus molestie quis ac dolor. Donec bibendum fermentum nulla sed vehicula. Maecenas scelerisque sem eu sem rhoncus, sed feugiat ligula mattis.
Fusce euismod bibendum vestibulum. Integer suscipit lacus vel ligula aliquam condimentum. Donec scelerisque, nisi ut vulputate finibus, mi nulla congue tellus, vitae lobortis libero leo et diam. Nullam non lobortis ex. Maecenas vel justo a dolor bibendum congue quis vel ex. Nullam nec dapibus risus, sed aliquam massa. Duis non est velit. Etiam dapibus nisi felis, a tristique arcu feugiat tempus. Aenean luctus nec lacus ac hendrerit. Ut facilisis mi ut blandit hendrerit. Aliquam aliquam libero in ipsum fermentum, at finibus velit vulputate. Nunc sit amet nunc nunc. Aliquam erat volutpat. Donec tristique varius pharetra.
Aliquam convallis odio nec luctus commodo. Fusce eget velit imperdiet metus pharetra consectetur. Maecenas vel justo at ex semper sagittis. Curabitur lobortis eu eros eu viverra. Nam lectus dolor, gravida eu diam et, tincidunt ornare mauris. Mauris mattis interdum quam, eget tincidunt quam. Nullam vestibulum dictum placerat. Quisque sagittis condimentum pulvinar. In condimentum lectus at turpis facilisis varius. Curabitur vitae enim eu ex elementum semper sit amet a enim. Pellentesque vestibulum maximus quam, in ullamcorper nunc volutpat sed. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas.
Fusce nec lectus a turpis molestie ultricies. Suspendisse potenti. Phasellus pretium ligula sed urna mattis condimentum. Pellentesque eget ligula non est elementum iaculis mollis in leo. Pellentesque id ligula in lorem porttitor efficitur in nec augue. Nullam a ligula sagittis, cursus nunc vitae, aliquet sapien. Vestibulum tincidunt varius sapien, sed porttitor tortor fermentum ac. Aenean sed purus at leo facilisis venenatis. Curabitur condimentum tempor mollis. Sed varius semper lorem vitae dapibus. Cras interdum nisi dui, eget finibus ante maximus vitae. Morbi vehicula sapien sed efficitur elementum. Nam id enim et ante auctor congue.
Our Investment Philosophy
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse aliquet facilisis tristique. Aenean sollicitudin ex massa, quis semper turpis placerat et. Praesent accumsan elit vitae turpis lobortis, vitae pellentesque purus malesuada. Sed quam sem, maximus eu congue sit amet, ornare eget sem. Etiam sit amet arcu scelerisque, imperdiet turpis eget, euismod velit. Ut nec pretium tellus, sit amet fermentum risus. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Curabitur et pharetra lacus, at varius lacus. Duis at commodo velit. Etiam congue nisl gravida, molestie turpis id, dignissim orci. Pellentesque sollicitudin nulla rutrum dui convallis, et tempus lacus hendrerit.
Nulla ante orci, vulputate at convallis id, ullamcorper sed velit. Pellentesque accumsan in sapien vel dictum. Maecenas efficitur, mauris et mollis mattis, odio erat pulvinar urna, eu dapibus nisi dui sed leo. Phasellus libero risus, ultricies eget est vel, consectetur maximus purus. Suspendisse at lobortis nisi. Etiam ultricies, ante vitae mollis auctor, odio massa vestibulum ante, sed pellentesque augue nunc non nisl. Nulla sem mauris, aliquam consequat rutrum ac, aliquet a mauris. Nam facilisis sem sit amet risus vestibulum viverra. Aliquam volutpat enim a diam venenatis placerat. Etiam lobortis porta sem, sed pellentesque nisi. Sed eros ex, dapibus quis vulputate lobortis, consectetur nec sapien. Vestibulum orci diam, tristique quis gravida id, sollicitudin id dolor. Praesent vel nisl eget tortor faucibus molestie quis ac dolor. Donec bibendum fermentum nulla sed vehicula. Maecenas scelerisque sem eu sem rhoncus, sed feugiat ligula mattis.
Comprehensive Retirement Planning
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse aliquet facilisis tristique. Aenean sollicitudin ex massa, quis semper turpis placerat et. Praesent accumsan elit vitae turpis lobortis, vitae pellentesque purus malesuada. Sed quam sem, maximus eu congue sit amet, ornare eget sem. Etiam sit amet arcu scelerisque, imperdiet turpis eget, euismod velit. Ut nec pretium tellus, sit amet fermentum risus. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Curabitur et pharetra lacus, at varius lacus. Duis at commodo velit. Etiam congue nisl gravida, molestie turpis id, dignissim orci. Pellentesque sollicitudin nulla rutrum dui convallis, et tempus lacus hendrerit.
Nulla ante orci, vulputate at convallis id, ullamcorper sed velit. Pellentesque accumsan in sapien vel dictum. Maecenas efficitur, mauris et mollis mattis, odio erat pulvinar urna, eu dapibus nisi dui sed leo. Phasellus libero risus, ultricies eget est vel, consectetur maximus purus. Suspendisse at lobortis nisi. Etiam ultricies, ante vitae mollis auctor, odio massa vestibulum ante, sed pellentesque augue nunc non nisl. Nulla sem mauris, aliquam consequat rutrum ac, aliquet a mauris. Nam facilisis sem sit amet risus vestibulum viverra. Aliquam volutpat enim a diam venenatis placerat. Etiam lobortis porta sem, sed pellentesque nisi. Sed eros ex, dapibus quis vulputate lobortis, consectetur nec sapien. Vestibulum orci diam, tristique quis gravida id, sollicitudin id dolor. Praesent vel nisl eget tortor faucibus molestie quis ac dolor. Donec bibendum fermentum nulla sed vehicula. Maecenas scelerisque sem eu sem rhoncus, sed feugiat ligula mattis.
Fusce euismod bibendum vestibulum. Integer suscipit lacus vel ligula aliquam condimentum. Donec scelerisque, nisi ut vulputate finibus, mi nulla congue tellus, vitae lobortis libero leo et diam. Nullam non lobortis ex. Maecenas vel justo a dolor bibendum congue quis vel ex. Nullam nec dapibus risus, sed aliquam massa. Duis non est velit. Etiam dapibus nisi felis, a tristique arcu feugiat tempus. Aenean luctus nec lacus ac hendrerit. Ut facilisis mi ut blandit hendrerit. Aliquam aliquam libero in ipsum fermentum, at finibus velit vulputate. Nunc sit amet nunc nunc. Aliquam erat volutpat. Donec tristique varius pharetra.
Aliquam convallis odio nec luctus commodo. Fusce eget velit imperdiet metus pharetra consectetur. Maecenas vel justo at ex semper sagittis. Curabitur lobortis eu eros eu viverra. Nam lectus dolor, gravida eu diam et, tincidunt ornare mauris. Mauris mattis interdum quam, eget tincidunt quam. Nullam vestibulum dictum placerat. Quisque sagittis condimentum pulvinar. In condimentum lectus at turpis facilisis varius. Curabitur vitae enim eu ex elementum semper sit amet a enim. Pellentesque vestibulum maximus quam, in ullamcorper nunc volutpat sed. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas.
Fusce nec lectus a turpis molestie ultricies. Suspendisse potenti. Phasellus pretium ligula sed urna mattis condimentum. Pellentesque eget ligula non est elementum iaculis mollis in leo. Pellentesque id ligula in lorem porttitor efficitur in nec augue. Nullam a ligula sagittis, cursus nunc vitae, aliquet sapien. Vestibulum tincidunt varius sapien, sed porttitor tortor fermentum ac. Aenean sed purus at leo facilisis venenatis. Curabitur condimentum tempor mollis. Sed varius semper lorem vitae dapibus. Cras interdum nisi dui, eget finibus ante maximus vitae. Morbi vehicula sapien sed efficitur elementum. Nam id enim et ante auctor congue.
Our Investment Philosophy
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse aliquet facilisis tristique. Aenean sollicitudin ex massa, quis semper turpis placerat et. Praesent accumsan elit vitae turpis lobortis, vitae pellentesque purus malesuada. Sed quam sem, maximus eu congue sit amet, ornare eget sem. Etiam sit amet arcu scelerisque, imperdiet turpis eget, euismod velit. Ut nec pretium tellus, sit amet fermentum risus. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Curabitur et pharetra lacus, at varius lacus. Duis at commodo velit. Etiam congue nisl gravida, molestie turpis id, dignissim orci. Pellentesque sollicitudin nulla rutrum dui convallis, et tempus lacus hendrerit.
Nulla ante orci, vulputate at convallis id, ullamcorper sed velit. Pellentesque accumsan in sapien vel dictum. Maecenas efficitur, mauris et mollis mattis, odio erat pulvinar urna, eu dapibus nisi dui sed leo. Phasellus libero risus, ultricies eget est vel, consectetur maximus purus. Suspendisse at lobortis nisi. Etiam ultricies, ante vitae mollis auctor, odio massa vestibulum ante, sed pellentesque augue nunc non nisl. Nulla sem mauris, aliquam consequat rutrum ac, aliquet a mauris. Nam facilisis sem sit amet risus vestibulum viverra. Aliquam volutpat enim a diam venenatis placerat. Etiam lobortis porta sem, sed pellentesque nisi. Sed eros ex, dapibus quis vulputate lobortis, consectetur nec sapien. Vestibulum orci diam, tristique quis gravida id, sollicitudin id dolor. Praesent vel nisl eget tortor faucibus molestie quis ac dolor. Donec bibendum fermentum nulla sed vehicula. Maecenas scelerisque sem eu sem rhoncus, sed feugiat ligula mattis.
Comprehensive Retirement Planning
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse aliquet facilisis tristique. Aenean sollicitudin ex massa, quis semper turpis placerat et. Praesent accumsan elit vitae turpis lobortis, vitae pellentesque purus malesuada. Sed quam sem, maximus eu congue sit amet, ornare eget sem. Etiam sit amet arcu scelerisque, imperdiet turpis eget, euismod velit. Ut nec pretium tellus, sit amet fermentum risus. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Curabitur et pharetra lacus, at varius lacus. Duis at commodo velit. Etiam congue nisl gravida, molestie turpis id, dignissim orci. Pellentesque sollicitudin nulla rutrum dui convallis, et tempus lacus hendrerit.
Nulla ante orci, vulputate at convallis id, ullamcorper sed velit. Pellentesque accumsan in sapien vel dictum. Maecenas efficitur, mauris et mollis mattis, odio erat pulvinar urna, eu dapibus nisi dui sed leo. Phasellus libero risus, ultricies eget est vel, consectetur maximus purus. Suspendisse at lobortis nisi. Etiam ultricies, ante vitae mollis auctor, odio massa vestibulum ante, sed pellentesque augue nunc non nisl. Nulla sem mauris, aliquam consequat rutrum ac, aliquet a mauris. Nam facilisis sem sit amet risus vestibulum viverra. Aliquam volutpat enim a diam venenatis placerat. Etiam lobortis porta sem, sed pellentesque nisi. Sed eros ex, dapibus quis vulputate lobortis, consectetur nec sapien. Vestibulum orci diam, tristique quis gravida id, sollicitudin id dolor. Praesent vel nisl eget tortor faucibus molestie quis ac dolor. Donec bibendum fermentum nulla sed vehicula. Maecenas scelerisque sem eu sem rhoncus, sed feugiat ligula mattis.
Fusce euismod bibendum vestibulum. Integer suscipit lacus vel ligula aliquam condimentum. Donec scelerisque, nisi ut vulputate finibus, mi nulla congue tellus, vitae lobortis libero leo et diam. Nullam non lobortis ex. Maecenas vel justo a dolor bibendum congue quis vel ex. Nullam nec dapibus risus, sed aliquam massa. Duis non est velit. Etiam dapibus nisi felis, a tristique arcu feugiat tempus. Aenean luctus nec lacus ac hendrerit. Ut facilisis mi ut blandit hendrerit. Aliquam aliquam libero in ipsum fermentum, at finibus velit vulputate. Nunc sit amet nunc nunc. Aliquam erat volutpat. Donec tristique varius pharetra.
Aliquam convallis odio nec luctus commodo. Fusce eget velit imperdiet metus pharetra consectetur. Maecenas vel justo at ex semper sagittis. Curabitur lobortis eu eros eu viverra. Nam lectus dolor, gravida eu diam et, tincidunt ornare mauris. Mauris mattis interdum quam, eget tincidunt quam. Nullam vestibulum dictum placerat. Quisque sagittis condimentum pulvinar. In condimentum lectus at turpis facilisis varius. Curabitur vitae enim eu ex elementum semper sit amet a enim. Pellentesque vestibulum maximus quam, in ullamcorper nunc volutpat sed. Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas.
Fusce nec lectus a turpis molestie ultricies. Suspendisse potenti. Phasellus pretium ligula sed urna mattis condimentum. Pellentesque eget ligula non est elementum iaculis mollis in leo. Pellentesque id ligula in lorem porttitor efficitur in nec augue. Nullam a ligula sagittis, cursus nunc vitae, aliquet sapien. Vestibulum tincidunt varius sapien, sed porttitor tortor fermentum ac. Aenean sed purus at leo facilisis venenatis. Curabitur condimentum tempor mollis. Sed varius semper lorem vitae dapibus. Cras interdum nisi dui, eget finibus ante maximus vitae. Morbi vehicula sapien sed efficitur elementum. Nam id enim et ante auctor congue.
Frequently Asked Questions
We are a fee-based fiduciary financial planning firm. As a fiduciary, we’re legally obligated to do what’s in your best interest. Our process is educational and collaborative, with zero pressure.
There are three ways we are paid:
- Depending on the complexity of your financial situation, we may charge a financial planning fee to create your investment and retirement income plan.
- We may be paid on a percentage-of-assets basis, meaning that as we invest and manage your assets, we’re paid a small percentage of the assets we manage, generally around 1%. If you have investment assets of one million or more, we have innovative flat-free pricing available.
- On occasion, products that work well and are chosen by our clients aren’t available through a fee-based structure. On these occasions, we may be paid a commission.
Yes. As fiduciary advisors, we’re legally obligated to do what’s in your best interest.
According to the CFP® Board, CFP® professionals “are trained to help you develop a comprehensive strategy to reach your short- and long-term financial goals … from planning for retirement to saving for college.”
In order to become a CFP®, one must accrue thousands of hours of financial planning experience, meet additional educational and ethical requirements, and pass a rigorous day-long exam.
If you needed physical security, would you hire a former Navy Seal or the local mall cop? Likewise, CFP®’s are the trained, qualified professionals equipped to handle your financial security.
Although the legal entity “Advanced Retirement Strategies” was officially organized a number of years ago, the members of the team here at ARS have decades of experience in the financial planning industry. In some cases over 30 years.
Not all those who provide solutions for retirement are the same. Some are insurance agents, who don’t do investments or comprehensive planning. Some are insurance agents, who have the licenses to do some investments but it isn’t their expertise. Some financial advisors are great comprehensive planners but are beholden to a specific bank and organization to use their investments or products.
Here’s the bottom line: If you go to a plumber who’s only tool is a hammer, what will they use to fix your problem? Yes, a hammer.
Navigating the transition into retirement is complex and your investments are only one piece of the pie. In addition to investment services, a good comprehensive fiduciary will have knowledge and resources about Social Security, Medicare, income planning, tax minimization, charitable giving, estate planning, and more.
Rarely, will one individual have all of these resources or knowledge. It takes a team of experts.
While our team at Advanced Retirement Strategies fits this description, if you don’t use our firm, we strongly suggest you work within this framework for the optimal results.
Only as much as you’re comfortable with, but typically, to receive the best possible advice, we need the following to more completely understand your situation:
- Information regarding investments held,
- Number of dependents
- Income and expenditure details,
- Savings and financial planning needs, etc.
The more accurate information you give, the better the quality of advice given.
Request your free portfolio analysis today.
Request a free forensic portfolio analysis to find areas to increase returns and decrease your risk.
Introduction to Advanced Retirement Strategies
When it comes to taxes, no one likes to pay more than they must. However, most Americans go through the same process every year… and end up missing out.
Broken. Outdated. Inefficient.
The REACTIVE Approach
Most Americans focus simply on paying their taxes; In other words, collect their tax forms, file with their CPA or enter the data into a tax filing software, and wait to find out what they will owe that year. This is a REACTIVE approach to tax planning and could be causing you to pay more than you should.
Strategic. Effective. Logical.
The PROACTIVE Aprroach
As proactive tax planners, this reactive tax planning process is antiquated and inefficient. At Advanced Retirement Strategies, our team works with all our clients to ensure we are taking the necessary steps to either reduce future tax liabilities or maximize tax brackets BEFORE they file their taxes.
This foresight and preemptive planning allows for exponentially more tax savings than would any amount of scrambling with different forms come tax time.
Request your free portfolio analysis today.
Request a free forensic portfolio analysis to find areas to increase returns and decrease your risk.
