What can Capital Synergies offer you?
Financial services are easy to come by, but finding appropriate, personalized financial advice is more difficult. As a privately owned and independent financial services firm, we are free to look at a wide range of financial products, tools, and resources to provide you with the appropriate strategies for your situation. As an independent financial services firm, we have no pressure to use products or tools that may not be appropriate for the client. We believe our independence can mean a world of difference when planning for your future.
We are a client-centered financial services firm. Service that is timely and reliable is the key to building client confidence. Whether it is the simple act of returning phone calls promptly or spending the time to develop a sophisticated financial strategy, we treat you the way we wish to be treated, with respect and professionalism. Our commitment to offering the best is also found in our support staff who are dedicated, not only to exceptional services but also to maintaining high professional standards. We invest in long-term relationship with our clients; that means we are there for you every step of your financial journey.
Retirement Income Planning
Are you sure you won’t outlive your money in retirement?
No two careers follow the same trajectory. Following that, no two retirements are quite the same, either. Everyone will have different goals, needs, and strategies.
We take the time to listen to your needs and formulate a plan to take you from the accumulation phase of your life to the distribution phase. According to one study, 43% of people in America aren’t afraid of being bored, unable to travel, or dying in retirement—their #1 fear is outliving their money.¹ That number jumps to 60% when you look at Baby Boomers. These fears, according to the data, are justified: People in their 50s have only saved an average of $117,000 for retirement. Experts say a “healthy” retirement savings account would have something like six times a person’s current salary.¹ This disparity, to say the least, is striking.
Whatever your plan, and whatever your retirement goals, our firm could help you put together a retirement income plan. We’re ready to listen; we’re ready to lend our experience.
Legacy Planning
Leave something for your loved ones and community.
Legacy planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love.
You don’t need to be wealthy to take advantage of some of the legacy planning options available today. For example, trust funds are not only for the super-rich. You need to get comfortable with terminology like Power of Attorney, Payable on Death (POD) and Transfer on Death (TOD), and Next of Kin. When it comes to all of these techniques, you might need estate planners and attorneys to help you navigate the complicated rules around estate planning.
Call us today to ask how we could help you with your estate planning needs with your tax and legal professionals.
Medicare
Everyone's heard of it. But what is it, really?
Medicare is a health insurance plan administered by the government and available to U.S. citizens who are age 65 or older, disabled, suffer from Lou Gehrig’s disease (i.e., Amyotrophic Lateral Sclerosis), have kidney failure or meet the qualifications to receive a kidney transplant. 1
The concept of offering every American a medical service coverage plan was initially proposed by President Theodore Roosevelt during his electoral campaign. President Harry S. Truman also made attempts to get legislation passed to approve federal funding for the plan. However, the plan was not approved until 1965, and stipulations were attached to the bill, which prevented every American from receiving national medical insurance. Despite these initial failed attempts, the persistent efforts of Presidents Roosevelt, Truman, Kennedy and Johnson eventually resulted in the approval of this health insurance program. 2
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480.646.2364
309.214.9701
bpenney@capitalsynergies.net
Litchfield Park, AZ 85340
Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. Capital Synergies and BFCFS are independent entities.
Due to various state regulations and registration requirements concerning the dissemination of information regarding investment and insurance products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered. Investment products and services available only to residents of AZ, IL, Fl, WI.
There are risks involved with investing which may include market fluctuation and possible loss of principal value. Particular investments may not be suitable for certain situations. Carefully consider the risks and possible consequences involved prior to making an investment decision.
Our firm does not provide legal or tax advice. Be sure to consult with your own legal and tax advisors before taking any action that may have tax implications.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 19948 - 2020/3/26