SERVICES
SERVICES
INCOME PLANNING

When it comes to your financial strategy, planning for the unexpected is the key to preserving your wealth. From market volatility to taxes to fluctuating interest, we face challenges every day that can have damaging effects on our finances. At AJM Financial, we can help provide you with the guidance to achieve your financial goals and needs, including:

  • Saving for retirement
  • Generating income in retirement
  • Insurance coverage
  • Debt management

Let’s discuss your goals and objectives, contact us today so we can create a custom plan to meet your needs. We look forward to assisting in your financial success.

The time is now! Don’t wait to implement a financial strategy, because it may be too late. Your financial future is closer than you think, contact us for a complimentary financial consultation.

ANNUITIES

Safeguarding your hard-earned assets from volatility is more important now than ever, and it’s even easier than you may think. With a fixed indexed annuity, you can have the best of both worlds: results and protection.

Integrating fixed indexed annuities into your portfolio can help protect you from loss during a market downturn, but still allow you to realize market gains. Annuities are continuously evolving, and as annuities continue to progress, so do the features.

Financial planning is never one-size-fits-all, and we recognize this at AJM Financial. Modern fixed indexed annuity innovations have the ability to be custom-designed in order to deliver a perfect match for the individual needs of the client. By truly understanding your personal situation, we can help you achieve financial success.

LONG-TERM CARE

Although the need for long-term care varies from client to client, someone turning 65 years of age has a nearly 70% chance of needing some type of long-term care service, according to LongTermCare.gov. Whether it be the need for in-home assistance or an extended stay in a nursing home, the potential need for long-term care should not be overlooked when creating a comprehensive financial plan.

The unfortunate reality is that many people put off planning for the future need of long-term care because they may not qualify due to poor health or cannot afford the premiums. Some simply do not plan because they are in denial that they may eventually find themselves in a situation where long-term care is a necessity.

Over the years, new solutions have been developed to help individuals protect themselves at an affordable rate. Don’t wait to put a plan in place, take action today and be prepared. Call us for more information about available long-term care options, and learn how seniors are protecting themselves from the unknown.

LIFE INSURANCE

People are working longer and living longer, which is why custom solutions are more crucial today than they were in prior years. There are multiple uses for life insurance, and you will likely have different needs at various stages of life. Here are just a few of the reasons why life insurance could be beneficial to your future:

  • Help pay final expenses
  • Help replace your income and provide security for your dependents
  • Help create an inheritance for your beneficiaries
  • Help pay federal, state, estate, and inheritance taxes
  • Help make charitable contributions

Let’s discuss your goals and objectives, contact us today so we can create a custom plan to meet your needs. We look forward to assisting in your financial success.

TAX PLANNING

Tax planning is not only critical now, but for your future as well. Aiming to minimize your tax liability is vital, as well as ensuring your assets are growing tax-efficiently in both your working years and your retirement years.

A tax-efficient retirement income strategy is dependent on tax-deferred and tax-free retirement mediums, contact us for more information at 720.974.4800.

ESTATE PLANNING

Failing to plan for a tax-efficient wealth transfer can greatly diminish the amount of wealth that reaches the next generation. Developing a strategy to transfer your hard-earned assets should never be an afterthought, especially if you are looking to leave a lasting legacy.

By working together with my wife, Jennifer Moeller, who is an attorney-at-law, we can help you develop an estate plan that focuses on the most efficient and effective way to transfer your hard-earned assets to your chosen heirs. Let’s get started, contact us today to learn more about estate planning.

SOCIAL SECURITY

When it comes to your Social Security benefits, it actually pays to delay taking your benefit. For example, even though you can file for your benefit at age 62, your monthly benefit is reduced by roughly 30%. Waiting until your full retirement age guarantees that you will earn 100% of your monthly Social Security benefit (this age is around 66 years, depending on the year you were born). But, if you can wait from your full retirement age until age 70 to file for your Social Security benefit, your monthly amount actually increases from 100% to 132%.

Aside from timing, marital status and even previous marriages play a role in your benefits, along with other filing strategies to help maximize your Social Security benefits. AJM Financial can help, call us today to learn more.

INVESTMENTS

Our process is designed to educate you on the various ways to invest and to help you make an informed decision on which option fits your needs and goals.

Passive Portfolios
A buy and hold approach using a basket of index funds. There is occasional rebalance on these portfolios but this is riding the highs and lows of the markets. There are points in history where this strategy has been unbeatable, there are also times when this strategy would have lost more than 50%.

Actively Managed Portfolios
This is paying a fund manager to hopefully get better returns than the market. The manager attempts to beat the market by selecting stocks and trends they think will outperform.

Tactically Managed Portfolios
Designed to capture 70-80% of the market gains while seeking to limit losses to 20-30% of the downside. This means if the market returns 10% you will get 7-8% and if the market crashes your portfolio, you should experience only 20-30% of the downside. In essence you’re giving up some market upside for the downside protection. This type of investing will typically come at a higher cost but is managed to your risk tolerance.

INVESTMENTS

Our process is designed to educate you on the various ways to invest and to help you make an informed decision on which option fits your needs and goals.

Passive Portfolios
A buy and hold approach using a basket of index funds. There is occasional rebalance on these portfolios but this is riding the highs and lows of the markets. There are points in history where this strategy has been unbeatable, there are also times when this strategy would have lost more than 50%.

Actively Managed Portfolios
This is paying a fund manager to hopefully get better returns than the market. The manager attempts to beat the market by selecting stocks and trends they think will outperform.

Tactically Managed Portfolios
Designed to capture 70-80% of the market gains while seeking to limit losses to 20-30% of the downside. This means if the market returns 10% you will get 7-8% and if the market crashes your portfolio, you should experience only 20-30% of the downside. In essence you’re giving up some market upside for the downside protection. This type of investing will typically come at a higher cost but is managed to your risk tolerance.