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retirement income

The Hidden Gamble in 401k and Defined Benefit Plans

Posted by | law, retirement income, small business, tax strategies | No Comments

A defined benefit plan or 401k plan is a great way to shelter money from taxes.  While the benefits are well established, a key omission is you have to pay those taxes later. Will taxes be lower or higher in the future?

As recently as 1978 income over $200k was taxed at 70%. Taxes are historically low now.  Are we deferring taxes now at a lower rate only to be taxed at a higher rate when we retire?   Maybe a more diversified approach is needed. Read More

Join us at Fleming’s Steakhouse for an introduction to our wealth building strategies

Posted by | retirement income, tax strategies | No Comments

steak 2

Fleming’s Steak House – December 4th from 6:30-8:30 pm

Event topics:

  • The importance of tax diversification – having taxable and tax free sources of income and the use of life insurance to create tax free income streams.
  • An in-depth analysis of index life policy growth strategies and costs
  • How to protect yourself from negative stock market results without sitting on the sidelines.
  • The importance of liquidity and access to capital going forward.
  • New innovations in financial products – uncapped potential with downside protection.

Who should attend:

Existing clients are always welcome. This a great way to stay informed on the strategies we are implementing.

Potential clients: Our dinner events are designed to introduce our strategies to people who would like to investigate the possibility of becoming a client.  We hope you will see value and give us the opportunity to help you create wealth for life.

Click on the link below to see upcoming dates and availability.

Click Here to Register

Inflation – Five key things to know

Posted by | Inflation, retirement income | No Comments

1) Inflation Is Part of the Federal Reserve’s Monetary Policy

A January 25, 2012 press release from the Board of Governors of the Federal Reserve stated: “The Committee judges that inflation at the rate of 2 percent, as measured by the annual change in the price index for personal consumption expenditures, is most consistent over the longer run with the Federal Reserve’s statutory mandate. Communicating this inflation goal clearly to the public helps keep longer-term inflation expectations firmly anchored.” Read More

What our clients say about working with us

Posted by | retirement income, tax strategies | One Comment


Jesse Curry
Director of Corporate Wellness at The Joint…the chiropractic place

Attended one of Denver’s events and found the presentation very informative (in great dinner setting Flemings) and useful minus the typically hype one might expect. If you want to preserve your wealth without fear of market loss then I encourage you to accept his next invitation.
Just a quick note on Denver’s services to my wife and I. In today’s world of uncertainty about financial retirement decisions, Denver provided us with safe investment strategies without LOSS of principal or any yearly earned earnings (unlike my 201k). Highly recommend a discussion! You will not be disappointed.

Jim Swantko
Senior Vice President, Marketing & Sales at SUMCO Phoenix Corp.

We started working with Denver on retirement strategies shortly after we moved to Scottsdale in 2010. I’ve found him to be a consummate professional with sound retirement advice that is creative, but reliable and secure. I wish that we’d met him sooner, but intend to fully maximize our financial strategies through him going forward. I highly recommend his services. Read More

The importance of a family balance sheet

Posted by | economy, retirement income | No Comments

In the Wealth For Life model of wealth creation, the roots of wealth deals with liquidity, cash flow and debt structure. Getting those things in line will help establish a strong foundation to build long term wealth.  This essay from the the Federal Reserve Bank of St. Louis does a great job of explaining the importance of the family balance sheet and its effect on the overall economy.