AHF Pathway to Freedom
At American Heritage Financial, our mission is to lead you to financial independence by mapping out a unique route to your ideal retirement, much like a GPS efficiently guides you to that dream vacation spot.
Using our three-step AHF Pathway to Freedom planning process, we progress past all key checkpoints on the way to a future filled with financial confidence.
Before doing anything, we must examine where you are now with your finances and what possible trails lead to your ultimate destination. But remember: You always will be in the lead; we’re here to help ensure you don’t stumble or veer off course.
Every incredible climb or trip includes meaningful planning. Together, we’ll discuss where you’re going and what hazards we’ll need to avoid. By assessing key areas like investment risk, tax-efficient strategy, income and legacy planning, we’ll help you avoid dangerous missteps.
Because your financial goals and dreams are unique, your AHF Pathway to Freedom must be unique, too. Think of this as a GPS navigation system where we provide alternative routes to help you achieve your financial objectives and determine the best path forward.
Freedom, that’s what! During this session, we’ll review your AHF Pathway to Freedom plan, address any final questions, and complete the necessary documentation to implement your plan. Once you’re completely comfortable with your customized plan, we implement it so you can enjoy life on your terms.
AHF Wheel of Services
Wills / Trust Reviews
Leaving a legacy requires discipline and preparation. We can work with you to develop a tax-efficient plan that helps provide for the people and passions you care about the most.
Tax Strategies
While most tax preparers focus solely on the current year’s taxes, we plan for the future and highlight long-term strategies (after-tax, Roth and pre-tax) that fit your situation. While we don’t give specific tax guidance or prepare taxes, we often work directly with your tax professional to identify ideas that could make a meaningful impact now and in the future.
Investments
Once you reach life’s distribution phase — those long-awaited retirement years — it’s imperative to identify investments and strategies that align with your goals, risk tolerance and income needs. We can walk you through options to help ensure you never need to worry about running out of money.
Social Security
The question isn’t when can you begin taking your Social Security benefit (between 62 and 70); it’s when should you. We will detail many factors and considerations that go into Social Security optimization and help you determine ways to potentially increase your lifetime benefits.
Medicare
Let’s face it, Medicare can be confusing. But it doesn’t need to be. We can answer your questions and cut through the noise, making sure you have suitable medical and prescription drug coverage and clearly explaining options for covering the 20% of medical expenses that Medicare doesn’t cover.
401k / Pension
Understanding how your retirement program works is the first step toward reaching your goals. We can help you evaluate pension settlement options, make wise investment choices related to 401(k) or 403(b) plans and explain how your wealth is growing so you can have confidence your future is secure.
Workplace Benefits/Business Owner Solutions
If you’re a business owner struggling to recruit or retain key employees and provide attractive benefits, or if you’re contemplating a business transition, we can work with you to build a strong incentive plan and increase value. We create innovative solutions to help protect your business, your employees
and your lifestyle.
Long-Term Care Options
Preservation. That’s what long-term care is all about — shielding you and those you cherish from the unknown. We can assist in devising a long-term care strategy to give you confidence that, no matter what the future holds, your loved ones will be taken care of and your assets will remain intact.
Insurance Programs
The features of insurance policies can vary widely, meaning it’s essential to understand what your policy covers, who your named beneficiaries are, what limits you have and what triggers a loss. We can help you analyze and (if needed) adjust your plans to help eliminate surprises and ensure your needs are covered both now and in the future.
If You’re Ready to Have a Conversation, We’re Ready to Help
Contact us today to learn how we have helped hundreds of individuals and families find the financial independence they sought by delivering services and products tailored to their distinct needs, goals and circumstances.