Wealth Management Advisors Since 1988

AmeriFlex® is a privately owned Wealth Management Financial Consulting Firm based in Santa Barbara, California. Our team of dedicated professionals helps to provide financial confidence for businesses and individual investors.



Since 1988 we have evolved to become your full service wealth management solution provider.

Our Wealth Management Planning Team assists individuals with assets in transition, such as from retirement, an inheritance, divorce, or job change, and with the question of whether they will have enough money to satisfy their retirement income needs. We have a team of professionally designated advisors, including CERTIFIED FINANCIAL PLANNER™ certificants (CFP®), Chartered Financial Consultants (ChFC) & Chartered Life Underwriters (CLU). We approach each client from a planning perspective, and our services to each client may include:

 



  • Retirement Income Planning
  • Comprehensive Financial Plans
  • Asset Management / Investments
  • Systematic Reviews




 
Calculators

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

To Roll or Not to Roll: It's Your Choice

Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA.

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

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