Financial Services

We’re here to demystify investing by employing active asset management strategies that are consistent, steady and repeatable. We aim for low-risk, low-volatility assets that take a defensive approach to wealth management. Together, we’ll build a real-life, sustainable income plan tailor-made for your situation. Anchored by our Defensive Private Wealth Management program, our strategy is designed to help you approach retirement with confidence by knowing how much income you’ll have to live on before you decide to retire.

As fiduciaries, we work to help protect you against many of the risks you may face as you get older, such as losing a spouse or becoming incapacitated. We’ll help you look at the money you’ve saved and create a way to distribute and/or invest it so that you have the most money to live on year by year while paying the lowest amount of taxes possible. Our goal is to ensure you never run out of money, no matter how long you live.

Most people assume they’ll pay less in taxes in retirement. After all, they’re no longer getting a regular paycheck from an employer. This isn’t always the case, however. Your required minimum distributions could bump you into a higher income tax bracket. You may even have to pay income taxes on your Social Security benefit. That’s why it’s so important to make sure tax planning is addressed in your overall retirement plan. At APO, we take a close look at all your accounts so you can know your options for reducing taxation to help you keep more of your money.

Unlike more traditional estate plans developed by most estate attorneys, we help you look at the bigger picture and determine what kind of legacy you want to leave. We’ll help you create an all-encompassing plan that not only executes your wishes after you’re gone but helps protect your loved ones. From reducing taxes to exploring life insurance to helping your family avoid probate, we’ll help structure your assets to maximize the wealth you leave behind for your heirs.

Market volatility, inflation, taxes, health problems, the death of a spouse — any number of risks can wreak havoc on even the best-laid retirement plans. Our job is to help you mitigate them through proper tax planning, tactical asset management, insurance products and more, all with the goal of protecting and growing your hard-earned nest egg.

Higher interest rates may be bad for people borrowing money for mortgages and car loans, can often have the opposite effect on some annuities.  This may create a potential opportunity for annuity owners like you.  We will review your current annuity and to see if replacing it with a different one could potentially earn you more money.