Welcome to Financial Strategies, Inc.  We are a long-term Arizona based financial consulting corporation that has strived for excellence in all client relationships for over nineteen years! 

Why not grab a cup of coffee or tea and spend a few minutes with us brushing up on your finances? Plenty of resources and links are here to help you improve, preserve, or protect your hard earned money!  

And, our information is fresh, unlike so many other stale financial sites that have out of date information.  Enjoy! 

Hint:  Along with a cup of "Joe", go ahead and have that pastry item too. You deserve it!

       For Current Promotions, Click

 What are the signs you may need a trusted financial advisor...and don't even know it?

You may need a financial advisor now, if...

...you are not on your way to financial independence, but it is more like you feel stuck with financial "dependence" on credit cards. 

...you are spending everything you are making every year, and sometimes even borrowing against your home to pay off your credit cards.

...taxes seem to be consuming a large portion of your annual income, and you have few credible ideas on how to lower them.

...debt is like a close relative in your household.  Every time you turn around, you see more and more of him!  (You are still in debt, besides your home mortgage, and you can't seem to pay down the credit cards to zero balances)

...you know you need some kind of will or trust planning document, and are concerned about the Terri Schiavo legal case which has prompted you to get a living will.  But, you need affordable documents and general legal information in order to do something about it. Or, you may be one of hundreds of thousands of Arizona trust owners who now need an upgrade to include new "ATC" provisions in their trust.

...an inherited IRA or any other inheritance is possible, imminent, or in your hands and you don't exactly know what to do with it and who to trust to help you.

...you are wondering if your former employer's 401-k or 403-b retirement plan should be rolled over into an account in your own name.  Or you just retired and now face rollover or other retirement options, and you don't know for sure what to do.

...or, lastly, you have been "bush-whacked" by the economic downturn in the economy, have taken a pay cut (or worse), have lost substantial IRA or 401-K plan assets recently, or any combination of these events synonymous with what happened in 2008-2009.

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You can contact us about any financial question at: info@webfsi.com

 (If  we can not answer it, we will try to give you direction for an answer or a referral)

Or, for immediate service, call us toll-free at: 

1-800-782-2806

(Outside the Metro-Phoenix Area)

**  Financial Strategies, Inc. is an Arizona licensed certified legal document preparer firm (AZCLDP) under license # 80738, and an insurance brokerage firm under Arizona License #3777.  Additional services are provided by FSI owner M.D. Anderson as an IRS Tax Preparer under PTIN  ID # P00281346 and as an Arizona Realtor® under Arizona Real Estate License #SA534235000.  Mr. Anderson is a former Securities Representative and Registered Investment Advisor Representative.  FSI also provides estate, tax, business, and computer consulting. 

Current Promotions

Procrastination Is Not Your Friend!

Subject:  Arizona Legal Documents including Needed Arizona Trust Code Updates!      

Link: www.ArizonaLivingTrust.info

Procrastination doing proper legal documents puts about 70% of Americans in their grave without ever drafting these important, relatively low cost estate planning instruments. Just by executing these documents, one could alleviated many expenses both before and after their death.  

But, they also can help drastically reduce the stress, pain, and suffering that remaining family and surviving heirs must endure because this important area of finance never got done!

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

Is It Time To Find A New Home For Your Money?

Subject:  Preserving Your Capital...or what may be left...      

Link:  www.PreserveMyCapital.com

There are a lot of dollars in the stock market.  Yet, few understand the basic formula for the proper percentage that should be in the market.  Just deduct your age from the number 100 and that will tell you the maximum amount of your investment portfolio that should be at risk in variable type investment products.  Though there are exceptions for higher net worth clients, this rule is pretty close to what experts recommend.  

Yet, some risk all and then get hurt badly when the market falls.  Or when brokers take advantage of them. Now, and especially in light of the 2008-2009 drop in variable type investment accounts, there is up to date information available to help those that have been burned by a broker that mis-represented, failed to disclose proper risk information, etc.

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

Inherited IRA Hell - Oh My!

Subject:  Inheriting A Large IRA   

Link:  www.InheritedIRAHell.com

No one wants to go there.  Yet, many who inherit a large IRA from a non-spouse heir are finding themselves in IRA hell.  The hot flames of excess income taxation are burning up needless money that could have been or should have been avoided.  And, the biggest culprit isn't the company wanting your rollover (or the remains) to come to them.  No, it is the current company and usually their broker or salesperson who pushes you into this very much avoidable tax trap!

You can educate yourself if you have a large IRA or if you are the potential heir.  New laws keep making it easier to stay out of inherited IRA hell.  But, professional advisory is the key so you can understand and take action ahead of time to make sure you don't get burned!

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

And, be sure to come back and learn about our "Annuity" resources coming up next...

Stock Market Making You Sick?

It's only money.  And, many watched for almost three years -- their money disappear out of their brokerage accounts and 401-k/retirement plans like never before during the 2000-2003 drop.  But, what has happened this time around in 2008 and 2009 in the stock market is a real eye opener!

Yes, a nice rebound took place from our first "dip" the past 8 years.  But, for many, it is now gone.  In fact, some stock and mutual fund accounts reflect clients' losing gains for the past 11 years or even worse!!! 

The key question now is -- do you have a security plan in place to keep from losing what's left?

If you are shopping for an alternative to keep from losing your gains in the stock market (or from losing any more) and don't want to see your retirement years go up in smoke with a market crash right before your retirement date comes up - learn more about our new fixed annuity plans. 

 They  protect your principal from any further loss when held to maturity, give you some "bonus" money for expenses of transfer (or to entice you), and  give you a chance to still earn from indexed options in the S&P 500* or the NASDAQ 100*, or very sophisticated mixes of American and European Index's.  

These options and insurance based annuity products are great alternatives to having a sedative in one hand and a Pepto-Bismol bottle in the other - every time you hear that the stock market has dropped in price!  (Which was almost every day the past few months!)

Losing gains in the market can make you sick.  If you have the symptoms of this illness...take a free walk electronic walk over to the office of Doctor Annuity right away:

Subject: Education only on why an annuity may be exactly what you are looking for during these unsure times.

Link:  www.DoctorAnnuity.com

Basically, if you are tired of losing money in the stock market, this site can give you some safer alternatives to investigate and review.  Namely, fixed indexed annuities are a great alternative to protect your principal while still having a chance for stock market growth. 

Learn more now so you can make sensible decisions on your money and not be dependent so much on your financial advisors to tell you what to do.  Unless your current advisors draft checks for any and all losses their advice may have cost you recently -- it is time you take the ball and learn how to invest your money wisely yourself.

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

Subject: This site continues to educate, inform you on what plans are now available to you, and perhaps --motivate you to make a move to help protect your principal from further capital losses. 

Link:  www.AnnuityMenu.com

This site has "general" annuity product information. Take a look at what is on the menu!

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

* These trademarks are those of the owners. Products are provided by insurance companies and are not sponsored by the respective index makers directly. l rights

Subject:  Review and Perhaps -- Re-issue Your Life Insurance Now!

Link:  www.ReissueMyLifeInsurance.info

Is Your Current Life Insurance Company Broke?

Well, if they are taking government "TARP" funds, they are. You can sugar coat it. You can call it something else. But, the bottom line is that the cash flow problem your current company may be having could get better, or go from bad to worse!  Packaged mortgage investments for people with bad credit has forced many name brand insurance companies to crack who wrongly invested in them.  

You better be sure your coverage and money is safe and sound.  There are 6 major companies now in trouble.  Find out if your company is on the list and if so, what your alternatives are for transacting a tax free exchange of values to another carrier that is sound. (A flight to safety)

Don't delay a review. If you wait until your company is pronounced "D.O.A." financially, the odds are high that you will have long delays to access your policy values.  Worse, you could experience capital losses, or drops in "current" interest payments to minimum policy guarantees, etc.

There are hundreds of companies that are perfectly safe during these tough economic times.  Check out this site to "inspect" what you "expect" from your current company or companies! reserved.

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

Subject: What you Need To Know To Work With an Arizona Realtor® to Negotiate and Successfully Buy an Arizona Home.

Link:  www.HomeownershipRevolution.com

What's The Game Plan To buy an Arizona Home?

If you are one of the thousands of buyers trying to buy an Arizona home to get the "first time homeowner" credit from the IRS, welcome.  Or, if you just want to move here and be represented by the best professional Realtor possible, welcome.  Or, if you have a home to sell here in Arizona or are curious about selling your old home and buying a new home, welcome.  Whatever real estate information you seek you will find on this website and you will have a chuckle or two as well!

You can investigate this topic more, on our free information website now.  Just click on the picture, or the link above.

                              We are proud to be Americans! God bless the U.S.A.!

                             Copyright © 2003-2010, Financial Strategies, Inc.