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Financial Planning in Phoenix
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Scottsdale, AZPhoenix, AZSurprise, AZHenderson, NV
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855-879-8293
855-879-8293




THE FINANCIAL ADVISORS YOU NEED IN PHOENIX, ARIZONA.

We are here to guide you through your financial future.
Stop by one of our 3 locations in Arizona.

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WEALTH MANAGEMENT AT EVERY STAGE OF YOUR LIFE

We help you make the most important choices today to plan for your financial
future tomorrow.
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1


FINANCIAL PLANNING IN PHOENIX

Failing to plan is planning to fail. Asset Preservation provides excellent
financial advisor & planners services in Phoenix, Scottsdale, and Arizona.
2


RETIREMENT PLANNING IN PHOENIX

Asset Preservation's Retirement Plan Services will help you effectively plan
your retirement with our top team of advisors & planners in Arizona.
3


TAX SERVICES

Our tax planners services can minimize your taxes so you have more to save and
invest. Get in touch with one of our Arizona-based advisors today!
4


ESTATE PLANNING

At Asset Preservation, we provide Estate Planning Services in Phoenix,
Scottsdale, and Arizona. We guide you to the best options to get your estate set
up.
5


ROTH IRA

A Roth IRA conversion may be right for you if your income is too high to
contribute to a Roth IRA outright. Talk to one of our financial advisors today!


WEALTH MANAGEMENT & FINANCIAL PLANNING FOR RETIREMENT.

How Confident Are You In Your
Financial Future?

Getting started requires three key things: finding out where you stand
financially, naming your personal financial goals, and creating a plan to reach
those goals.

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THE ASSET PRESERVATION HOUR

You spent all your working years accumulating this wealth.
Now it’s the time to make the most of it.

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EPISODE 1


EPISODE 2


EPISODE 3


EPISODE 4


EPISODE 5


EPISODE 6


HOW IT WORKS

in 3 Simple Steps
1



WE GET TO KNOW YOU
(AND YOU GET TO KNOW US)

Our first step will be to look at all of your assets - bank accounts,
investments, current fees, risk allocation, the whole nine yards - to get a full
picture.


2



WE HELP YOU CLARIFY
YOUR FINANCIAL GOALS.

We will sit down with you and propose a strategy for reaching your goals.


3


WE HELP YOU MOVE TOWARD YOUR GOALS AND KEEP TRACK OF YOUR PROGRESS.

The most important part of this process is to present to you a road map in the
form of a comprehensive, full blown, WRITTEN PLAN that considers all the areas
of your financial future.




JOIN US:
WORKSHOPS AND SEMINARS

Our team is passionate about teaching and believes that continued education is
the key to empowering our clients.

That’s why we offer seminars on financial planning for retirement, 401k
contribution and management, investments, tax planning and more here at our
office in Phoenix, AZ. Want to find out more? Give us a call or click on the
button below.

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WE ARE IN THE
BEST TAX WINDOW
IN HISTORY, RIGHT NOW

If your advisor is not helping you take advantage of our current tax window,
they are simply not doing their job. We believe incorporating tax planning into
your financial plan is CRUCIAL in the probability of meeting your goals,
especially when planning for retirement. Which is precisely why we created our
taxes office.
‍
Most advisors aren’t even talking about tax because they are prohibited from
even mentioning it to their clients. Not us.

Interested? Speak to an advisor at 602-449-0146.


MEET OUR TEAM

We are your PARTNERS in retirement.
We pride ourselves on communication - you're not going to pay your fees and hear
nothing from your advisor.

We want to help you develop a game plan for your finances so you can come in
first with money.

We also pride ourselves on the fact that all of our advisors are fiduciaries and
they are required to be unbiased, transparent, and act in your best interest.

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ROLLOVER IRA

Once you reach the age of 59-and-a-half, a variety of financial planning options
become available. At first, these options are a bit confusing, which is why
working with a financial advisor makes sense. If you’re retiring, an interesting
option to explore is an IRA conversion. Our estate planning and wealth
management experts have worked with a large number of people who took advantage
of an IRA conversion after retiring from Honeywell, Intel, Boeing, and other
lesser-known local companies.

Before diving into this complex topic, let’s take a brief look at the difference
between IRA rollovers, transfers, and conversions.
‍

READ MORE


IS A ROLLOVER IRA RIGHT FOR YOU? FIRST, GET THE FACTS

Moving retirement funds around makes many people nervous because one wrong move
can lead to expensive penalties and increased taxes. While there’s no substitute
for working with a qualified financial advisor, the following information
provides a helpful primer.

A rollover, conversion, and transfer are words that refer to moving money from
one retirement account to another. However, there are rules for how you can move
around retirement funds.

An IRA transfer is when you move funds between the same variety of retirement
accounts. When you move funds between two different varieties of retirement
accounts, it’s called a rollover. When you change a traditional IRA to a Roth
IRA, it’s called a Roth conversion.

Seems simple enough, right? However, the details are important because you don’t
want to pay more in taxes than you have to. After all, retirement funds are
meant for retirement. 

If you’re retiring, you may want to take advantage of IRA rollover guidelines to
move money from your 401(k) plan to an IRA. It’s important to note that if money
from a retirement plan is paid directly to you, it could result in a mandatory
tax, whether or not you plan to roll it into another retirement plan at a later
date. 

Taking this into consideration, it makes sense to roll over the funds into
another retirement plan or IRA. In this situation, there are two distinct
methods to perform an IRA rollover; a direct rollover or a trustee-to-trustee
transfer.

The direct rollover option may be used in a situation where you receive a
payment (also called a distribution) from a retirement plan. You simply ask your
plan administrator to make the payment to an IRA (an IRA rollover) or to another
retirement plan. If you’re receiving a distribution from an IRA, you can ask for
the IRA payment to be made to another IRA or a retirement plan. This is called a
trustee-to-trustee transfer.

There are a few other rules that require close attention. You can only perform
an IRA rollover or transfer once per year. You must also ensure that the money
is in the new account no later than 60 days from when it was withdrawn from the
original account.


CAN I PERFORM AN IRA ROLLOVER IF I’M SWITCHING JOBS?

In short, yes. In fact, you may even have some more choices to consider. You
might be able to move into an IRA or a 401(k) with your new employer. It may
even be possible to split funds between the two but this depends on the new
employer’s 401(k) plan. 

Whether you’re retiring or switching jobs, it makes good sense to talk to an
experienced financial advisor about your wealth management and retirement
planning options. At Asset Preservation Tax & Retirement Services, we are ready
to help, so contact us today and make sure you’re getting the most out of your
hard-earned dollars.Moving retirement funds around makes many people nervous
because one wrong move can lead to expensive penalties and increased taxes.
While there’s no substitute for working with a qualified financial advisor, the
following information provides a helpful primer.


ROTH IRA CONVERSIONS

Another option retirees may consider is a Roth IRA conversion. There are many
advantages to a Roth IRA conversion but there are some important considerations
that must be made in advance. 

The tax benefits of a Roth IRA are well known. You can make tax-free withdrawals
during your retirement while benefiting from tax-free growth potential. As
always, you should talk to a financial advisor about your specific situation
before deciding on an IRA conversion but the following information is intended
to help you better understand the benefits and potential drawbacks. 

If you transfer retirement funds from a traditional 401(k) or IRA into a Roth
account, it’s called a Roth IRA conversion. While you are required to pay taxes
on all monies converted, all future withdrawals are tax-free. There are obvious
benefits to this financial strategy. For example, if you believe you will save
money by paying taxes now rather than at a future date.


THERE ARE DIFFERENT WAYS TO PERFORM A ROTH IRA CONVERSION

There are three ways that a Roth IRA conversion may be accomplished; a direct
rollover, a 60-day rollover, or a trustee-to-trustee transfer. Let’s break them
down individually.

Direct Rollover - This process involves rolling money over from an employer’s
401(k) contribution plan to a new account. You may be issued a check from the
administrator which you then deposit into the new account.

60-day Rollover - This is the process whereby money is paid to you and you then
deposit all or part of the funds into a Roth IRA. Obviously, you have 60 days to
make the deposit after receiving the funds.

Trustee-to-Trustee Transfer - This is the process whereby assets from your
traditional IRA are directly transferred by that financial institution into the
account where your new Roth IRA is held. This may be a different financial
institution or the same financial institution.


DOES A ROTH IRA CONVERSION MAKE SENSE FOR ME?

There are a host of considerations you should make before deciding on a Roth IRA
conversion but if it’s right for you, the financial advantages are many. A few
things you may want to consider include:

Where do you plan on living when you retire? If you’re moving to another state
to enjoy the many pleasures of retirement, you may want to take a look at that
state’s tax rates. Some states exclude retirement income (including payments
from traditional IRAs) from state income tax and others do not. Conversely,
understanding your options may even influence where you decide to retire.

Who will receive your retirement savings as part of your estate? If you plan on
leaving retirement savings to your spouse, children, or another family member,
you should consider how a Roth IRA conversion will affect their taxes. Heirs
that receive IRA assets usually do not have to pay income taxes, so this may be
a very appealing option. However, if your heirs are in a lower tax bracket than
you, then a traditional IRA may be the better option, depending on a variety of
other factors.

Do you have children who are of college age? If you have college-age children
who are applying for federal financial aid, it’s possible that IRA conversion
monies will be considered as income. This means that your children’s financial
aid may be reduced because your expected financial contribution will be higher.


FINANCIAL ADVISOR

You are also required to pay for a Roth IRA conversion in the form of income
taxes on the amount converted. The math can quickly become complicated, which is
yet another reason why you should sit down with a professional financial planner
and discuss your options before making any decisions regarding a Roth IRA
conversion.
‍

READ MORE


UNDERSTANDING THE 59 ½ RULE AND ROLLOVER IRAS

What is the 59 ½ rule? If you withdraw IRA assets before the age of 59 ½, you
incur a 10 percent penalty. However, after the age of 59 ½, various investment
options are available to you because the penalties no longer apply. This means
that you can take advantage of a rollover IRA, tax and penalty-free. 

Once you turn 59 and-a-half, if you have the desire to roll over a 401(k) into
an IRA, there are two simple steps you need to follow:

1. Choose between a traditional IRA or a Roth IRA. These are the two most
popular individual retirement accounts but taxes are handled differently
depending on which you choose. While a traditional IRA provides you with
immediate tax deductions, retirement withdrawals are taxed by the government. If
you choose a traditional IRA, you don’t pay any taxes on the rollover amount
until you retire.

There are no immediate tax deductions for Roth IRAs, so you have to pay taxes on
the rollover amount but once you reach the age of 59 ½, all retirement
withdrawals are entirely free.

2. Get help from a qualified financial advisor. On the surface, wealth
management and retirement planning seem relatively simple - you want to keep as
much money as possible. A professional financial advisor is no different from
any other professional - they understand the details and have the experience
required to ensure you’re making the best choices possible.

It’s highly unlikely your financial situation is entirely black and white. It’s
more likely that a wide assortment of factors will impact how you get the most
out of your retirement investments. A financial planning expert at Asset
Preservation is ready to help you better understand your wealth management.

Keep in mind there are other investment options that open up to you when you
turn 59 and-a-half. Depending on your situation and employment, there may even
be options you haven’t considered.


UNDERSTANDING THRIFT SAVINGS PLANS (TSP)

If you’re a federal employee or a member of the uniformed services of the United
States, you may benefit from a Thrift Savings Plan. Simply stated, TSPs are
defined-contribution plans that offer federal employees similar benefits to
those enjoyed by employees in the private sector. 

While a TSP is similar to a 401(k), they are not the same. Both have the same
contribution limits but TSPs allow you to contribute considerably more money
every year with matching contributions from the federal government. You also pay
lower investment fees with a TSP. You can also borrow from a TSP which is
typically not allowed with an IRA account. If you leave your federal job, you
can withdraw TSP money in a lump sum or relieve monthly payments. It’s even
possible to combine options.

If you move from the public to the private sector, or from the private to the
public sector, you are allowed to roll over a 401(k) or IRA into a TSP or do the
same in reverse. You can even have a TSP and an IRA at the same time.
Contribution limits for TSPs are quite a bit higher than IRAs, which means that
you can build a retirement fund faster with a TSP.

The government also provides an employer match of up to 5 percent of your annual
salary, which doubles the amount of your investment if you make the 5 percent
investment commitment. This is not possible with an IRA because you set them up
by yourself, which means there are no matching contributions from an employer.
Investment fees also differ between the two.

If you have questions about TSPs, rollover options, or any other wealth
management issues, contact a helpful member of the Asset Preservation team
today. We are ready to help you explore your estate planning options, reduce
your taxes, and ensure you have a productive and rewarding retirement.


WHAT PEOPLE SAY ABOUT US

We help you see the world differently, discover opportunities you may never have
imagined and  achieve results that bridge what is with what can be.

I had my third meeting with Stewart today. I feel like I have found a new friend
who really seems to care about making my life better and much easier. Each time
I leave their office I just feel the comfort of being in good hands. Every step
has been explained in easy terms and I'm covered in all areas for my
investments, my taxes and my estate planning. This type of business has a lot of
shady and uninformed characters but if your looking for real informed people
that want you to succeed and treat you with respect, then this office is for
you!

Chris Luciano

My husband and I were going through some "life changing " experiences, as were
many of us in 2020.  We had a lot of financial decisions to make and really had
no clue of where to start.  We saw the television program and decided to
schedule the free appt.   We met with Judd and he took the time to answer all of
our questions,  as well as some we didn't know to ask.  There was never any
pressure to "sign up" or use their services.  I can honestly say we left the
appt feeling informed and extremely relieved.  I would highly recommend this
company.

Stephanie Williams

In 2015 I attended a free social security/retirement seminar hosted by Asset
Preservation and spent one hour obtaining great insight about information most
pre-retirees do not have but should before they make one of the most important
life decisions about retirement.  I made an appointment afterward and met with
Justin "Judd" Carlson.  I can't express how impressed I was with his
professionalism, knowledge and genuine care for my specific situation - he
helped me make some extremely important decisions.  At no point did I feel
pressured into purchasing anything or investing; he worked out scenarios that
would benefit me both short and long term.  He was very knowledgeable about tax
laws, retirement options, social security, pensions, investments, etc. and
explained in simple terms I could understand.
Since that 1st meeting, I have met with him two more times, he helped me
understand the legalese when my dad passed away and helped me file papers...all
at no charge.  This last week, we met again and created a game plan for my
employment retirement and advice on small business tax requirements;.  It's
critical to trust your financial adviser - Judd definitely has earned my
business and I have referred him to some of my closest friends.

Nancy Stover

I would recommend this service to anyone who values personal, professional
treatment as a client.  Everyone from the receptionist to the Representatives
have been very accommodating..

Patricia Gittens

I have a great time working with the Staff and Clients of Asset Preservation
Tax!

John Wilson








OUR LOCATIONS

Surprise, AZ
Scottsdale, AZ
Phoenix, AZ
Henderson, NV


CORPORATE HEADQUARTERS

Give us a call or join us in person at our corporate headquarters in Surprise,
AZ.

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SCOTTSDALE OFFICE

Call us during office hours or schedule an in-person appointment at our offices
in Scottsdale, AZ.

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TEMPE OFFICE

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NEVADA OFFICE

Give us a call or join us in person at our Henderson, NV office.

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OUR LOCATIONS

Surprise, AZ
Scottsdale, AZ
Phoenix, AZ


CORPORATE HEADQUARTERS

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SCOTTSDALE OFFICE

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TEMPE OFFICE

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READY TO GET STARTED?

You spent all your working years accumulating this wealth. Now it’s the time to
make the most of it.

complImentary portfolio review
 * Home
 * our team
 * Financial services

Corporate Headquarters
11323 W Bell Rd. #301,
Surprise, AZ 85378

P: 602-449-0146
Toll-Free: 855-879-8293

Scottsdale Office
10575 N. 114th St. Suite 109
Scottsdale, Arizona 85259

P: 602-449-0146
Toll-Free: 855-879-8293

Tempe Office
4310 E. Cotton Center Blvd,
Suite. 120 Phoenix, AZ 85040

P: 602-449-0146
Toll-Free: 855-879-8293

Nevada Office
901 N Green Valley Pkwy, Suite 100, Henderson, NV 89074

P: 725-777-7526
Toll-Free: 855-879-8293

San Diego Office
‍Virtual Office

P: 602-449-0146
Toll-Free: 855-879-8293

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