American Heritage Financial

About

As a full service financial planning firm, AHF is made up of advisors and financial professionals dedicated to working for our clients, not for an insurance or investment company. Let us work for you!

Story

As a full service financial planning firm, AHF is made up of advisors and financial professionals dedicated to working for our clients, not for an insurance or investment company. Let us work for you!

Products

Various types of Insurance and wealth accumulation products and strategies!

Services

** Financial Security

In today’s ever changing market conditions people are more worried than ever, if what they have saved during their working years will get them through retirement. At AHF, we focus on three things when discussing retirement preparation with our clients. They include taxation, protection, and distribution of their assets.

** Medicare

There is a lot of confusion associated with Medicare and the options you have available to you when signing up or after your current plan has made a change. We help eliminate that confusion and teach you the different options to cover the 20% left over that Medicare doesn’t cover. We have handpicked some companies that are available to you.


** Executive Benefits

Deferred compensation is a popular topic among higher wage earners today. Expect this to be a growing trend as taxes continue to inch higher and higher. If you combine that with longer life expectancy, the low interest rate environment and inflation there are many reasons why business owners and executives need to be saving more.


** Business Succession Strategies

If you are a small to medium size business owner today you may be surprised to know that over 70% have no business succession plan in place, the result of which can be catastrophic.


** Retirement

In today's ever changing market conditions people are more worried than ever, if what they have saved during their working years will get them through retirement. At AHF, we focus on three things when discussing your retirement with you. They include taxation, protection, and distribution of your assets.


** Leaving a Legacy

Leaving a legacy requires discipline and preparation. Financial legacies benefit your family in many ways by providing financial security. Leaving a legacy can even provide funds for college for children or grandchildren. An AHF advisor can go over the many ways you can leave a legacy for your family, community or a charity that is close to your heart.


** Estate Preservation

People associate estate preservation with death, but estate preservation also addresses your future needs in case you ever become unable to care for yourself. Estate preservation can also involve financial, tax, medical and business strategies. A properly drafted estate plan will allow you to designate; how, by whom, & when you would like your assets distributed. AHF also works directly with local attorneys in preparing trusts for our clients.


** Social Security Options

Social Security may be elected at any time between 62 and 70. However, most people simply elect Social Security at whatever age they decide to retire. Not considering important factors can cause you to outlive your income. AHF advisors can assist you in determining the options to potentially increase your financial lifetime benefits.


** Lifetime Income

As time takes its toll and our abilities and desires for earned income decreases, the need for more dependable passive income such as social security and pensions are needed. AHF advisors thoroughly review your current strategy to eliminate surprises; surprises that too often come when you're unable to jump back into the earned income arena.


** Spousal Survivor Income

When a spouse passes away you could lose more than a loved one; you may also lose their earnings. Including pension income, social security and more. AHF advisors focus intently on the survivor's needs in the event of potential loss of a spouse. AHF can provide options and benefits that will provide guaranteed income for life. For many of those survivors these benefits aid in maintaining their current lifestyle.