SERVICES
JOE FLORES, MBA offers a wide range of services to our business, individual and self-employed clients. The services we offer cover the entire spectrum of a professional financial consultant - from basic business planning to specialty areas such as retirement plans, investments, life, disability, medical, and group benefits.
Because our firm is relatively small, our clients will receive the best personalized and quality service that we can provide to all.
Below, we have listed the services that we can offer to our clients along with a brief description:
Retirement Planning
Includes pre-tax deductible plans, rollovers, annuities, deferred compensation, Group 401(K)/403(b), SEP IRA s, ROTH IRA s, SIMPLE IRA s, Solo 401(K), and profit sharing / pension plans.
Financial Guidance
Includes financial strategies, protection of assets, and high tax deduction defined benefit 412 (i) plans.
Tax Favored Planning
Includes many business planning concepts which allow owners and key employees to eliminate some taxes and maintain more cash for themselves. ( Split Dollar )
Investing
Offers Growth/Equity/ Bond/Real Estate mutual funds, money market funds and annuities.
529 College
Plan
Offers tax-free withdrawals for qualified expenses in law, medical, technical, or undergraduate/graduate schools.
Estate Planning
Leave more of your estate to your heirs instead of Uncle Sam. Living trusts provide liability and asset protection for your love ones.
Life Insurance
Provides income to your beneficiaries. Usually used to continue your lifestyle, eliminate mortgage or other debts and provide income support for your spouse and children.
Key Employee Protection
Protects your business against financial loss in case of death or disability of a key employee.
Business Continuation
Most advantageous way to transfer ownership of your company in case of retirement, disability or death. ( Buy/Sell Agreements )
Disability Plans
Provides continuous income if you are sick or hurt and cannot work for a period of time. Disability buy-out plans for owners and portable disability plans for individuals.
Major Medical / Dental Insurance
Protects against large medical costs due to an illness or injury. Medical group, individual, Section 125 and health savings accounts (HSA s) plans are available. Dental group and individual plans are available.
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