Financial Services

Every successful journey starts with prudent preparation and an effective travel plan. We help make sure you haven’t overlooked any key elements as you pursue your retirement destiny.


APO Rules of Retirement Planning:

Rule 1: Protect your assets.
Rule 2: Don’t run out of money.
Rule 3: See Rules 1 and 2.

We have designed a process to get you to retirement using these rules called the Smiling Through Retirement ProcessTM. It is designed to guide you and your family along the path to retirement, helping protect your assets and maximize your income so you can live life to the fullest.

At APO Financial, our goal is to demystify investing while helping to build real-life, holistic, sustainable income plans for our clients. We do this by focusing on the following key areas:

Strategic Wealth Building

Our objective is to clarify the concept of investing by implementing consistent, stable, and repeatable active asset management strategies.

Our focus is on low-risk and low-volatility assets that prioritize a cautious approach to wealth management. By working together, we will craft a sustainable income plan tailored to your specific needs.

Our Defensive Private Wealth Management program serves as the cornerstone of our strategy, aimed at providing you with the confidence to approach retirement with a clear understanding of your income needs.


As fiduciary advisors, we strive to safeguard our clients against the potential risks associated with aging, including the loss of a spouse or incapacity.

Our approach involves a comprehensive assessment of your saved funds, with the objective of devising a plan for the optimal distribution and investment to maximize your annual income while minimizing tax implications.

Our ultimate goal is to provide peace of mind by ensuring that our clients have a sustained source of income for the duration of their lives.

Tax Minimization Strategies

Many individuals assume that their tax burden will decrease in retirement due to the absence of a regular salary from employment. However, this is not always the reality.

The mandated minimum distributions from retirement accounts may result in higher income tax bracket calculations, and Social Security benefits may also be subject to income taxation. For these reasons, tax planning is an integral component of a comprehensive retirement plan.

At APO, our focus is on providing a thorough analysis of all relevant accounts to determine viable strategies for reducing taxation, ensuring that our clients retain a maximum portion of their funds.

Estate Planning

We help you look at the bigger picture and determine what kind of legacy you want to leave.

Our approach to estate planning diverges from traditional methods as we place a strong emphasis on considering the broader picture.

We work closely with our clients to determine their desired legacy and develop a comprehensive plan that not only realizes their posthumous wishes, but also provides protection to their loved ones.

Our services encompass a range of strategies, from minimizing taxes to evaluating life insurance options and guiding clients on avoiding probate. Our goal is to optimize the assets and wealth our clients leave to their heirs.

Risk Management

Our job is to help you with the goal of protecting and growing your hard-earned nest egg.

Retirement plans can be impacted by various risks, such as market volatility, inflation, taxes, health issues, or the loss of a spouse.

As financial advisors, it is our responsibility to assist our clients in reducing the impact of these risks through effective tax planning, strategic asset management, insurance solutions, and other relevant strategies.

Our objective is to ensure the preservation and growth of our clients' hard-earned retirement savings.