Stephanie Coleman-Risher
Financial Professional
Stephanie Coleman-Risher is a dedicated Financial Professional at American Heritage Financial with a strong commitment to educating individuals about financial well-being. With just under one year in the industry, she serves the vibrant state of Florida.
What truly drives Stephanie is her passion for empowering people with the knowledge they need to secure their financial future. Prior to her financial career, she was an educator, working as a teacher with Connections Academy and the Escambia County School District, specializing in English for Speakers of Other Languages (ESOL) and high school Spanish. Stephanie is also a proud member of TESOL, reflecting her dedication to language education.
Stephanie holds a Master’s degree in Teaching English to Speakers of Other Languages from St. Cloud University, along with a Bachelor of Arts in Liberal Studies from Thomas Edison State College. Her academic background has equipped her with the skills needed to communicate complex ideas in an understandable way.
In her personal life, Stephanie cherishes time spent with her husband and daughter. She enjoys family game nights, leisurely dog walks, coffee meet-ups with friends, and reading. A true advocate for lifelong learning, she finds great joy in helping others acquire new skills, especially among young people and the international community.
Stephanie’s mission is clear: she aims to educate individuals on financial literacy, enabling them to make informed decisions that will benefit them both in the present and in the years to come. With her dedication and experience, Stephanie is a valuable resource for those looking to enhance their financial knowledge and secure their future. If you’re seeking to improve your financial well-being, Stephanie Coleman-Risher is here to help.
You can reach Stephanie Coleman-Risher at SCR@AHFplanners.com or by phone at (850) 619-9470.
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.
Contact Stephanie Coleman-Risher
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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.