New York Recovery REIT

Listing on New York Stock Exchange

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News Release

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Healthcare Trust

Listing on NASDAQ

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Inland Diversified Update

News Release

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Letter To Stockholders

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Welcome To Our Website. 

Personal Financial Strategies, Inc. is a financial planning firm dedicated to serving the needs of people who are nearing retirement or already retired.  We provide flat-fee financial planning, as well as a complete menu of investment and insurance products to our clients, delivered in a caring, friendly and comfortable environment.

What we offer is experience plus concern and compassion, delivered to each and every client on an individual basis to help you achieve a healthy financial future.

Our typical client is 55 to 65 years old, and has a financial net worth of $500,000 to $3,000,000.  Our clients tend to have the following concerns and issues:

Is our current investment portfolio suitable as we transition into retirement?

Can we potentially lower the risk of our investment portfolio?

Do investments other than the stock market make sense for us?

Are annuities a good investment for income-oriented clients?  What are the differences between fixed annuities, index annuities and variable annuities?

Is long-term care insurance a good investment, and do we really need it?  How much does it cost? 

Is a Roth IRA Conversion a good idea for us?  What are the potential  income tax costs if we do a Roth Conversion?  Are there intelligent investment strategies to pay the conversion tax?

The great majority of our financial net worth is in retirement accounts.  How can we take money out of these accounts in the most tax-efficient manner?

We are very concerned about rising income taxes.  How can we potentially lower our income taxes?

We have heard that leaving retirement accounts to children and grandchildren as a legacy asset may be a bad idea.  What should we do instead of leaving IRAs and 401(k)s to our beneficaries? 


Special Topics

Retirement Planning Classes

Understanding Retirement Planning through our seminars can be rewarding. Click here to find out about our next seminar and we will contact you shortly.