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Financial Picture

  • Discuss the need for wills/trusts
  • Taxes: Review 3 different types of money (Roth, Pre-Tax, and Post-Tax) for efficiency given your current and possible future tax picture
  • Investments including current fees, risk tolerance and allocations of brokerage accounts. Businesses are also major investments
  • Insurance Programs can vary widely. We will review life, group life, disability and LTC plans and explain advantages and challenges in how they might align with your overall strategy.
  • Social Security makes up a portion of most everyone’s retirement and should be reviewed early and often to ensure proper crediting and future optimizing of your claiming strategy.
  • Workplace benefits should also be well-coordinated into your plan for maximum efficiencies. Our planners will carefully consider important factors like conversion rights, portability, and pricing into your overall plan.
  • 401k/403 pension: 401(k) and equivalent programs are a fantastic way for many to save for retirement. We help you understand not only how accumulation works but more importantly, distribution in retirement. Pension settlement options can have lasting benefits or consequences.
  • Medicare: Health insurance in retirement is actually pretty simple. We help you understand how this election could affect your areas of your plan while showing you the most efficient cost structure for your area.
  • LTC: Managing long-term care risks in retirement can be costly and complicated. Nothing proves to be quite as costly as ignoring this risk, however. We have thorough discussions, show possible solutions based on your specific needs and can even help you implement your plan.

Our Locations

Pensacola, Florida
Lafayette, Louisiana
Palm Bay, Florida
Tallahassee, Florida
Texarkana, Texas
Birmingham, Alabama
Fort Walton Beach, Florida
*Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. American Heritage Financial, LLC is not an affiliate of OneAmerica Securities or the companies of OneAmerica and is not a broker dealer or Registered Investment Advisor.   American Heritage Financial, LLC may conduct life insurance and securities business in Florida and may be licensed in other states. Financial professionals cannot conduct life insurance or securities business in states in which they are not licensed. This content should not be construed as an offer for the sale of insurance or securities products in unauthorized states or countries.   Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Neither OneAmerica Securities, the companies of OneAmerica, American Heritage Financial, LLC, nor their representatives provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor.  
Investing involves risk which includes potential loss of principal. Guarantees are subject to the claims paying ability of the issuing insurance company.  
Not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other governmental agency.