Financial Services

Every successful journey starts with prudent preparation and an effective travel plan. We help make sure you haven’t overlooked any key elements as you pursue your retirement destiny.


APO Rules of Retirement Planning:

Rule 1: Protect your assets.
Rule 2: Don’t run out of money.
Rule 3: See Rules 1 and 2.

We have designed a process to get you to retirement using these rules called the Smiling Through Retirement ProcessTM. It is designed to guide you and your family along the path to retirement, helping protect your assets and maximize your income so you can live life to the fullest.

At APO Financial, our goal is to demystify investing while helping to build real-life, holistic, sustainable income plans for our clients. We do this by focusing on the following key areas:

  • Strategic Wealth Building

    We’re here to demystify investing by employing active asset management strategies that are consistent, steady and repeatable. We aim for low-risk, low-volatility assets that take a defensive approach to wealth management. Together, we’ll build a real-life, sustainable income plan tailor-made for your situation. Anchored by our Defensive Private Wealth Management program, our strategy is designed to help you approach retirement with confidence by knowing how much income you’ll have to live on before you decide to retire.

  • Retirement Planning

    As fiduciaries, we work to help protect you against many of the risks you may face as you get older, such as losing a spouse or becoming incapacitated. We’ll help you look at the money you’ve saved and create a way to distribute and/or invest it so that you have the most money to live on year by year while paying the lowest amount of taxes possible. Our goal is to ensure you never run out of money, no matter how long you live.

  • Tax Minimization Strategies

    Most people assume they’ll pay less in taxes in retirement. After all, they’re no longer getting a regular paycheck from an employer. This isn’t always the case, however. Your required minimum distributions could bump you into a higher income tax bracket. You may even have to pay income taxes on your Social Security benefit. That’s why it’s so important to make sure tax planning is addressed in your overall retirement plan. At APO, we take a close look at all your accounts so you can know your options for reducing taxation to help you keep more of your money.

  • Estate Planning

    Unlike more traditional estate plans developed by most estate attorneys, we help you look at the bigger picture and determine what kind of legacy you want to leave. We’ll help you create an all-encompassing plan that not only executes your wishes after you’re gone but helps protect your loved ones. From reducing taxes to exploring life insurance to helping your family avoid probate, we’ll help structure your assets to maximize the wealth you leave behind for your heirs.

  • Risk Management

    Market volatility, inflation, taxes, health problems, the death of a spouse — any number of risks can wreak havoc on even the best-laid retirement plans. Our job is to help you mitigate them through proper tax planning, tactical asset management, insurance products and more, all with the goal of protecting and growing your hard-earned nest egg.

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