While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

S&A Financial Services, Inc. utilizes Charles Schwab, TIAA & Fidelity as custodians of our client’s investment accounts, but remains independent which helps us offer objective analysis and recommendations.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services:

Wealth Management

Bold thinking and powerful ideas drive effective and innovative financial plans. Whether the objective is to accumulate wealth or its preservation, we provide our clients with experience and expertise to achieve their financial goals by designing a comprehensive framework based on your needs and resources so you have the confidence that your investments will take you beyond the accumulation phase and into retirement.

Investment Consulting

An investment consultant, unlike a broker, does more in-depth work on formulating client’s investment strategies helping them fulfill their needs and goals. As Investment consultants we can help clients achieve their long term financial goals.

Retirement Planning

We Specialize in (Pre & Post) Retirement Planning. If you are in the accumulation phase or if you are approaching retirement it is critical to complete an assessment of your current financial situation and develop a plan to fund your income needs during retirement.

The goal of investing is to ensure financial security later in life. We are experienced in the selection of appropriate distribution of assets based on your objectives during your retirement years.

Estate Strategies & Plans

The legacy you leave is important to you and your loved ones. At S&A Financial we will help you cover the details necessary to maximize wealth transfers to future generations. Professional guidance can help you pass on as much of your wealth as legally permissible – leaving them an inheritance instead of a tax bill

University Retirement Plans

We’ve specialized in working with those in higher education for over 30 years.  We’ve helped individuals and families employed in higher education prepare for and transition into retirement.  We have experience in working with 403(b)’s, 457(b)’s, 401(a)’s, and pension plans.

Comprehensive Financial Planning

We provide a “Financial Roadmap” for all of our clients. Our comprehensive planning-based approach will help you organize your finances and assets, determine your financial objectives and potentially reduce risk by developing and asset allocation strategy. Your Financial Roadmap will be your quick reference to your most critical financial information. We believe that comprehensive financial planning is critical for your financial long term success.

Legacy Advising

Do you want to leave a Legacy? Which charities or special interests would you want to benefit from your life-time wealth accumulation? S&A Financial Services Inc. can offer advice in regard to the best ways to structure your legacy plan.

Social Security Planning

People have traditionally seen Social Security benefits as the foundation of their retirement planning programs. Estimating your future Social Security Benefits can be a difficult task. S&A Financial Services Inc. can help guide you through the different Social Security strategies as well as help create a plan that optimizes your social security benefits.