Financial Planning

A to Z Insurance and Financial Services specializes in financial planning, wealth management and assisting your family's financial direction for the future.  See how we can help you below and let one of our Financial Planning Associates set you up with a plan that fits your specific needs. 

Whether you're starting to plan your financial future for the first time or your closer to retirement, we have options that could immensely benefit you in keeping your financial future healthy and prosperous! You deserve to be prepared for whatever may come and if you have an extended family, they also deserve to be prepared. 


- Fractional Life Settlements

- First Position Mortgages

Services that could benefit you:

Personal Solutions

  • We will sit down with you and do a financial analysis, at no cost to you - most firms charge big bucks for this sit down - because of our high quality of customer base and distinguished customers we have decided to make this a free benefit for you. 
  • We will then provide you with some goals, recommendations and ways to implement a successful financial plan.

An important part of planning for the future is protecting it. 


  • Debt & Tax Relief 
  • IRAs 
  • Equity Indexed Annuities 
  • Mutual Funds
  • Variable Annuities
  • Universal Life Insurance
  • Indexed Universal Life Insurance
  • Variable Life Insurance
  • Term Life Insurance
  • Whole Life Insurance
  • Disability Insurance
  • Long Term Care Insurance
  • Chartible Strategies 
  • Trusts
  • 529 College Savings Plans
  • Mutual Funds
  • Long Term Care Plans 
  • 401(k)s/403(b)s
  • Individual Stock and Bonds through separately managed account
  • Notary Services
  • Personal Book Keeping for the busy individual 

Small Business Solutions

As a small business owner, you provide needs and solutions to benefit your employees. We can help you offer a variety of products and service to help meet your needs.

  • 401(k)s
  • Profit Sharing Plans
  • Pension Plans
  • SEPs and Simple IRAs
  • Sole Proprietor 401(k)s
  • 403(b) Plans
  • 457 Plans 
  • Notary Services
  • Small Business Book Keeping
  • Income Tax Services
  • Landlord Insurance 
  • Commerical Auto Insurance
  • Commercial Liability Insurance
  • Commercial Workers Compensation Insurance
  • We work with construction companies, cleaning companies, event planning agencies and more! 

For more questions or for more information please Contact our Financial Planning Director by filling out our contact form 

  • Cash Flow
  • Proper Protection
  • Debt Management
  • Emergency Fund
  • Build Wealth
  • Preserve Wealth


Cash Flow

When you create your financial strategy, it’s important to know how much money you have access to and how, if possible, you can increase that amount. This money is your cash flow and can help you accomplish many things, including reducing or eliminating debt and increasing your savings.

Here are some strategies you can use to increase your cash flow:

  • Create a budget for your monthly expenses and needs – and stick to it
  • Spend less than you earn
  • Raise deductibles on your auto, homeowners and other insurance policies, which can help to lower premium
  • Look for ways to earn higher interest on money that is currently in low-interest savings accounts
  • Start a second career or a part-time business to earn additional income

Your A to Z Financial Planning Associate can help you evaluate your current cash flow and assist you in finding ways to increase it

Proper Protection

A big part of building a sound financial strategy is life insurance. Life insurance helps protect your loved ones in the event of your death. It not only helps replace lost income, but it can also help preserve your family’s assets.

A basic rule of thumb is to have enough life insurance to provide approximately 10 times your annual family income. For example, if your current household income is $50,000, you may want to consider having $500,000 in life insurance protection.

An A to Z Financial Planning Associate associate can evaluate of your financial situation to help you determine how much life insurance you need.

Associates must be properly licensed and appointed to sell insurance- and securities-related products.
Debt Management

One of the biggest obstacles to a sound financial future is consumer debt. 

It’s important to have a strategy that can help reduce and eliminate debt.

Here are some approaches you can take:

  • Pay more than the minimum, as much as possible within your budget, on the credit card/ loan with the highest interest rate. Once you pay off that credit card/loan, begin paying off the next highest interest rate credit card/loan.
  • Consider transferring credit card/loan balances to a card with a low interest rate that is offering a promotional, no fee transfer option. Don’t hesitate to call the issuers of all your credit cards to ask for a lower rate.
  • Quit charging. Put your credit cards away so you don’t consider charging on them while you’re paying down your debt or after it’s paid off.

There are many other things you can do to reduce debt. Work with your WFG associate to find strategies that you can work for you.

Emergency Fund

No matter how much you plan in life, the unexpected happens. To prepare for life’s little “disasters,” set up an emergency fund to help pay for any resulting expenses. A basic rule of thumb for determining how much you should set aside is three- to six-months of your total expenses.

Don’t think you need an emergency fund? Consider these potential expenses and scenarios:

  • Major car repairs
  • Major home repairs
  • Major appliance repairs or replacement
  • Loss of a job
  • Serious illness or hospitalization
  • Extended elder care or long-term care

Having an extra source of funds gives your family peace of mind during a stressful time.

Build Wealth

When developing your financial strategy, it’s important to ensure you put a long-term asset accumulation program in place that strives to outpace inflation and reduce taxation. When determining the best program for you, ask yourself the following questions:

  • How long do I expect live?
  • How much it will cost to live comfortably during those years?

There are key financial concepts that can help you as address these questions. 

Preserve Wealth

An essential part of your financial strategy is ensuring that the wealth you accumulated over the years is not impacted by taxes or other unintended consequences. A well-designed strategy can:

  • Eliminate probate costs
  • Help manage estate taxes
  • Ensure your legacy reaches your intended heirs, including any life insurance coverage, pensions and annuities
  • Provide an opportunity to set up medical and financial powers of attorney so that, should you become incapacitated, someone can take care of your finances, make medical decisions for you and more

Please consult with your attorney and/or tax advisor for guidance regarding your specific circumstances.*


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