The Financial Advisors You Need in Phoenix, Arizona.

We are here to guide you through your financial future.
Stop by one of our 3 locations in Arizona.

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Wealth Management & Financial Planning for Retirement.

How Confident Are You In Your
Financial Future?

Getting started requires three key things: finding out where you stand financially, naming your personal financial goals, and creating a plan to reach those goals.

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The Asset Preservation Hour

You spent all your working years accumulating this wealth.
Now it’s the time to make the most of it.

How it Works

in 3 Simple Steps
1

We Get To Know You
(And You Get To Know Us)

Our first step will be to look at all of your assets - bank accounts, investments, current fees, risk allocation, the whole nine yards - to get a full picture.

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2

We Help You Clarify
Your Financial Goals.

We will sit down with you and propose a strategy for reaching your goals.

Stewart Willis and Justin Carlson 2
3

We Help You Move Toward Your Goals And Keep Track Of Your Progress.

The most important part of this process is to present to you a road map in the form of a comprehensive, full blown, WRITTEN PLAN that considers all the areas of your financial future.

Arizona financial planners

Join Us:
Workshops And Seminars

Our team is passionate about teaching and believes that continued education is the key to empowering our clients.

That’s why we offer seminars on financial planning for retirement, 401k contribution and management, investments, tax planning and more here at our office in Phoenix, AZ. Want to find out more? Give us a call or click on the button below.

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Workshops: Coming Soon

We Are In The
Best Tax Window
In History, Right Now

If your advisor is not helping you take advantage of our current tax window, they are simply not doing their job. We believe incorporating tax planning into your financial plan is CRUCIAL in the probability of meeting your goals, especially when planning for retirement. Which is precisely why we created our taxes office.

Most advisors aren’t even talking about tax because they are prohibited from even mentioning it to their clients. Not us.

Interested? Speak to an advisor at 602-449-0146.

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Meet Our Team

We are your PARTNERS in retirement.
We pride ourselves on communication - you're not going to pay your fees and hear nothing from your advisor.

We want to help you develop a game plan for your finances so you can come in first with money.

We also pride ourselves on the fact that all of our advisors are fiduciaries and they are required to be unbiased, transparent, and act in your best interest.

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Rollover IRA

Once you reach the age of 59-and-a-half, a variety of financial planning options become available. At first, these options are a bit confusing, which is why working with a financial advisor makes sense. If you’re retiring, an interesting option to explore is an IRA conversion. Our estate planning and wealth management experts have worked with a large number of people who took advantage of an IRA conversion after retiring from Honeywell, Intel, Boeing, and other lesser-known local companies.

Before diving into this complex topic, let’s take a brief look at the difference between IRA rollovers, transfers, and conversions.

Financial Advisor

You are also required to pay for a Roth IRA conversion in the form of income taxes on the amount converted. The math can quickly become complicated, which is yet another reason why you should sit down with a professional financial planner and discuss your options before making any decisions regarding a Roth IRA conversion.

Understanding the 59 ½ rule and rollover IRAs

What is the 59 ½ rule? If you withdraw IRA assets before the age of 59 ½, you incur a 10 percent penalty. However, after the age of 59 ½, various investment options are available to you because the penalties no longer apply. This means that you can take advantage of a rollover IRA, tax and penalty-free. 

Once you turn 59 and-a-half, if you have the desire to roll over a 401(k) into an IRA, there are two simple steps you need to follow:

1. Choose between a traditional IRA or a Roth IRA. These are the two most popular individual retirement accounts but taxes are handled differently depending on which you choose. While a traditional IRA provides you with immediate tax deductions, retirement withdrawals are taxed by the government. If you choose a traditional IRA, you don’t pay any taxes on the rollover amount until you retire.

There are no immediate tax deductions for Roth IRAs, so you have to pay taxes on the rollover amount but once you reach the age of 59 ½, all retirement withdrawals are entirely free.

2. Get help from a qualified financial advisor. On the surface, wealth management and retirement planning seem relatively simple - you want to keep as much money as possible. A professional financial advisor is no different from any other professional - they understand the details and have the experience required to ensure you’re making the best choices possible.

It’s highly unlikely your financial situation is entirely black and white. It’s more likely that a wide assortment of factors will impact how you get the most out of your retirement investments. A financial planning expert at Asset Preservation is ready to help you better understand your wealth management.

Keep in mind there are other investment options that open up to you when you turn 59 and-a-half. Depending on your situation and employment, there may even be options you haven’t considered.

Understanding Thrift Savings Plans (TSP)

If you’re a federal employee or a member of the uniformed services of the United States, you may benefit from a Thrift Savings Plan. Simply stated, TSPs are defined-contribution plans that offer federal employees similar benefits to those enjoyed by employees in the private sector. 

While a TSP is similar to a 401(k), they are not the same. Both have the same contribution limits but TSPs allow you to contribute considerably more money every year with matching contributions from the federal government. You also pay lower investment fees with a TSP. You can also borrow from a TSP which is typically not allowed with an IRA account. If you leave your federal job, you can withdraw TSP money in a lump sum or relieve monthly payments. It’s even possible to combine options.

If you move from the public to the private sector, or from the private to the public sector, you are allowed to roll over a 401(k) or IRA into a TSP or do the same in reverse. You can even have a TSP and an IRA at the same time. Contribution limits for TSPs are quite a bit higher than IRAs, which means that you can build a retirement fund faster with a TSP.

The government also provides an employer match of up to 5 percent of your annual salary, which doubles the amount of your investment if you make the 5 percent investment commitment. This is not possible with an IRA because you set them up by yourself, which means there are no matching contributions from an employer. Investment fees also differ between the two.

If you have questions about TSPs, rollover options, or any other wealth management issues, contact a helpful member of the Asset Preservation team today. We are ready to help you explore your estate planning options, reduce your taxes, and ensure you have a productive and rewarding retirement.

What People Say About Us

We help you see the world differently, discover opportunities you may never have imagined and  achieve results that bridge what is with what can be.

I had my third meeting with Stewart today. I feel like I have found a new friend who really seems to care about making my life better and much easier. Each time I leave their office I just feel the comfort of being in good hands. Every step has been explained in easy terms and I'm covered in all areas for my investments, my taxes and my estate planning. This type of business has a lot of shady and uninformed characters but if your looking for real informed people that want you to succeed and treat you with respect, then this office is for you!

My husband and I were going through some "life changing " experiences, as were many of us in 2020.  We had a lot of financial decisions to make and really had no clue of where to start.  We saw the television program and decided to schedule the free appt.   We met with Judd and he took the time to answer all of our questions,  as well as some we didn't know to ask.  There was never any pressure to "sign up" or use their services.  I can honestly say we left the appt feeling informed and extremely relieved.  I would highly recommend this company.

In 2015 I attended a free social security/retirement seminar hosted by Asset Preservation and spent one hour obtaining great insight about information most pre-retirees do not have but should before they make one of the most important life decisions about retirement.  I made an appointment afterward and met with Justin "Judd" Carlson.  I can't express how impressed I was with his professionalism, knowledge and genuine care for my specific situation - he helped me make some extremely important decisions.  At no point did I feel pressured into purchasing anything or investing; he worked out scenarios that would benefit me both short and long term.  He was very knowledgeable about tax laws, retirement options, social security, pensions, investments, etc. and explained in simple terms I could understand.
Since that 1st meeting, I have met with him two more times, he helped me understand the legalese when my dad passed away and helped me file papers...all at no charge.  This last week, we met again and created a game plan for my employment retirement and advice on small business tax requirements;.  It's critical to trust your financial adviser - Judd definitely has earned my business and I have referred him to some of my closest friends.

I would recommend this service to anyone who values personal, professional treatment as a client.  Everyone from the receptionist to the Representatives have been very accommodating..

I have a great time working with the Staff and Clients of Asset Preservation Tax!

Our Locations

Corporate Headquarters

Give us a call or join us in person at our corporate headquarters in Surprise, AZ.

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Scottsdale Office

Call us during office hours or schedule an in-person appointment at our offices in Scottsdale, AZ.

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Tempe Office

Give us a call or schedule an in person meeting at our Phoenix, AZ offices.

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Our Locations

Corporate Headquarters

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Scottsdale Office

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Tempe Office

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Ready To Get Started?

You spent all your working years accumulating this wealth. Now it’s the time to make the most of it.