Retirement Counseling 

As a Registered Investment Advisory firm, Apex Advisory Group, Inc., we structure retirement plans on an individual basis.  Our competitive fees combined with over 23 years of experience enables us to work with individuals of various incomes and needs, assisting them with realizing their financial goals and objectives.  We take pride in our outstanding client service. Our clients are our family. 

Specialties in the following areas allow us to assist the individual with: 

• Education and counseling in helping them understand their defined benefit plan, including software programs for illustration.

• An assessment of their 401(K), 401(a), 403(b), 457, IRA, SEP
  plan(s) is provided using managed techniques while limiting their risk and lowering their costs.

• Social Security is incorporated by using these projections in the overall retirement plan.

• Analysis of after tax dollars to utilize the portion of assets set aside for retirement purposes.  Preference of a “tax managed” approach is taken to limit potential capital gains tax, therefore reducing tax and maximizing net returns.

• Preparation of a retirement plan, using the latest in software technology that incorporates all of the above and may include additional estate planning based on each individual situation.  These plans are specifically designed so we can customize a plan to fit each individual client.  By using a risk/needs assessment, we take into account each individual client’s goals and objectives.  We can focus on a specific planning need such as proper asset allocation, retirement counseling or a full-blown plan that covers all aspects of financial planning.