Times are changing, and financial planning is changing, as well. People should take advantage of change when possible. The first step is understanding your options.
....... Gary Wells, PA, MBA .......
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
WHERE WE ARE AND WHAT WE DO BEST
We've moved from 1123 South Beverly into our new
location at 232 East Second Street - Suite 205, in the
Market Square Building (corner of 2nd and Durbin St).
Take a few minutes to browse our web site, and you
will soon see why we have earned our reputation as
Wyoming's best "SAFE MONEY" retirement planners.
We concentrate on life insurance and annuities which
are designed for Wyoming's middle-income families.
Many products will soon be available on-line, as well.
In addition, we provide quality pension plans for the
small business firms in Wyoming which are flexible &
affordable. If YOU own a business, we need to TALK!
Most small business firms don't realize their pension
plans need to be reviewed and updated. To learn the
facts, see "Small Business Pensions" (green margin).
No matter where you work, you will want to retire in
comfort someday. What plans have you made for it?
Your financial future is our most important concern!
Have a GREAT 2012!
= = = = = = = = = = = = = = = = = = = = = = = = = = = = =
WELCOME TO OUR WEB SITE!
With the oldest of the "baby boomers" turning age 65 in 2011, we are seeing the largest demographic in history enter into the retirement phase of their lives. This "wave of boomers" has been met with a stream of financial products and financial advisors willing to capitalize on all of the "money in motion." Careful plans are essential!
Does that mean that if you are a "boomer" or a "senior citizen" that you should not trust anyone who calls himself or herself a "financial advisor?" Of course not. Its simply that each of us has a personal responsibility to be cautious in how (and with whom) we do business. Your retirement funds must last you for the rest of your life!
We hope that you'll take the time to scan the articles available in the green margin on the left, and you enjoy those of interest to you. Feel free to give us a call with any questions you have. You will note that a great deal of emphasis is on retirement planning and related financial issues. Thanks in advance for your trust & confidence!
We have included a great deal of important current financial information in our web site, and in order to make the best use of it, there are several ways to quickly access it. First, go to the topics of interest to you in the green margin and click on a highlighted topic. Read the information, and if a video is provided, please watch it carefully.
Second, IF YOUR TIME IS LIMITED (or if you don't see what you are looking for), just scroll down to "Video Articles" (under "Other Resources") near the bottom in the left green margin. We have provided 9 of the most popular new 5-minute videos for you to watch. They are very informative, and they are available whenever you prefer.
Third, we also have an additional BRAND NEW financial website with EVEN MORE helpful current information. Please take just a few minutes and go to www.finsecurity.com/GaryWells (click the link) to browse to your heart's content. Let us know what you think of the new site, and if you have any questions, give us a call anytime.
It's very important to note that we DO NOT practice law, nor do we give legal advice, and NOTHING contained in ANY PORTION of this web site should be construed as such. All information is provided for educational purposes only. It can be printed and saved...and you can forward it to anyone you prefer. It is available at any time.
Finally, when you go to "Video Articles" on this web site, there are quite a number of current and informative articles available for you to read. They can also be printed and saved, and you can also forward them to anyone at any time. We're happy to help you. Whatever method you use, we hope you find the information valuable.
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
ATTENTION WYOMING SMALL BUSINESS OWNERS:
When was the last time you had your pension plan or 401(k) plan reviewed? Ask yourself these very important questions: Am I receiving the maximum benefits from my annual plan contributions? Is there a way to increase the contributions for my benefit, while also saving money on the plans? Is your plan's design right for YOU...and also for your company? If your answer to ANY of them is "I don't know" we need to talk!
You owe it to yourself to obtain our NO COST Retirement Plan Review!
The enactment of the Pension Protection Act, and the more than 80 recent changes to it (over 900 pages of changes), are very important! They can dramatically increase the benefits available to the owners of small business firms. The most important aspect of EVERY pension plan is "Plan Design." Now, in many cases as much as 85% or more of total contributions can be directed toward the owner(s) of the business.
We specialize in working with business firms and health care professionals in Wyoming who have less than twenty-five employees. We can also provide exceptional pension plans for firms with one to five employees who want to maximize the business owner's retirement funds quickly, in order to "make up for lost time safely." With only a few years left to work, building larger retirement values CAN BE VERY IMPORTANT!
This is our "niche' market" in pensions...and NOBODY does it better!
We cover ALL of Wyoming. We can provide "traditional" pension plans, as well as several new "safe money" plans. If you are concerned about the economy right now, and if you would like to consider ways to make your future financial security more predictable, take a few minutes and go to "Small Business Pension Plans In Wyoming" (left green margin). Give us a call and a little time. There is NO obligation.
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
A FEW IMPORTANT TIPS ABOUT OUR NEW OFFICE...
The Market Square Building is located on the corner of Second and Durbin, and we are upstairs on the second floor (Suite 205). Access to the second floor can be made using the stairs (they're not steep), or by taking the elevator. We're on the left at the top of the stairs. Look for our green and white sign. The building hours are from 9:00 a.m. until 5:30 p.m., Monday thru Saturday. The building is closed Sundays and most Federal holidays. We prefer to work by appointment, so please call ahead for a convenient and flexible time.
(( Please DO NOT park in the private lot on the north side of the building! ))
We're changing our focus a little, but we're NOT getting out of the business! We intentionally selected our new office location in the same building as (in fact, right next door to) S K Insurance, an agency owned by a good Christian friend named Jerry Knight. When we are ready to retire, Jerry will service our insurance clients. He does an excellent job...and specializes in providing quality health insurance. In the meantime, we will do a lot of "joint work" in the small business markets across Wyoming. Give us a call...let's talk about the future!
Call us in Casper at 235-1069, or TOLL-FREE statewide at 1-888-346-2630.
Or if you prefer, send us a "Request-A-Quote" form (left green margin)
or a "Contact Us" form (top of this page). We will be in touch.
= = = = = = = = = = = = = = = = = = = = = = = = = = = = =
ARE YOU BUYING A HOME?
We've added some VERY IMPORTANT information for those who are buying a home anywhere in Wyoming. Two of the most important goals most Americans have are to own our homes "free-and-clear" and be able to retire in comfort. These goals go hand-in-hand, since it's almost impossible to retire in comfort while you are still making house payments! We suggest that you watch two informative short videos by going to "Are You Buying A Home?" (left green margin). They will address a number of common (and quite often VERY DIFFICULT) financial problems.
They will introduce an effective program called "The Preferred Biweekly Mortgage Payment Plan." We have two new 7-minute videos to explain it. If you can, you should read the information about it on this web site. But, if you don't have time, go to
www.biweeklypro.net (click link) and watch BOTH new videos. Refinancing is NOT required, and you don't have to change lenders to use it. Give us a call, and we'll get some basic information and send you a computer illustration to see how much YOU can save in both TIME and MONEY. There is NO obligation.
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
MORTGAGE & LOAN ADVISORY SERVICES
In 2008, we made the decision to discontinue providing mortgage loans of EVERY KIND. In other words, we DO NOT PROVIDE either RESIDENTIAL or COMMERCIAL mortgages or loans of ANY kind any longer. However, we provide several other important Mortgage & Loan Advisory Services, many of which can help you save thousands of dollars over the years! What are your goals? What have you done to achieve them? Would you like to meet with us and discuss them?
Give us a call, and let's talk about your financial future!
In addition, we can also provide Mortgage Payment Insurance (in Wyoming ONLY) to help make the payments in event of your death or disability. If your family depends on YOU to make the regular monthly house payments, we can help to guarantee their financial security. What could be more important? Give us a call and we will give you more information, and prepare a computer illustration showing the important details. There is NO obligation...except to your loved ones.
More information is available under "Are You Buying A Home?" (left green margin).
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
WE ALSO WANT TO REMIND YOU that there are over 75 excellent articles covering various financial topics on our web site. We revise and update them regularly. They can be printed, and you can also forward them to others via email. To view them, click on "Articles" (upper right in green).
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
MORE IMPORTANT CHANGES FOR 2012...
In addition to important information on topics in the left margin, we've also provided a number of very helpful articles on topics such as real estate, mortgages and notes, life insurance and fixed annuities, finance and taxes, important timely retirement tips, college funding information, and a great deal more. They're available by clicking on Articles (above). New articles are added frequently and they are up-dated as we receive new information.
Don't forget to read our current Newsletters ("scroll down" to the bottom of this page). Just click on a title, and it will appear immediately. You can also select a category from the list available. There are more than fifty different newsletters available. We update these newsletters frequently. Our goal is to keep all of them informative and useful. The information is reviewed and checked for accuracy, and is believed to be reliable but not guaranteed.
These Articles and Newsletters can be printed and saved, and you can also e-mail them to others. We believe this "enhanced feature" makes it easier for you to make better decisions and you can also share this very important information with loved ones and other financial advisors. The information (left, under "About Us," "Request A Quote," and "Other Resources") CAN be PRINTED, but they can NOT be sent to others by e-mail.
You will also like our easy-to-use Financial Calculators (above) which help eliminate a great deal of guesswork. The information generated by these calculators CAN be printed, but CANNOT be e-mailed to anyone outside our firm. Your information is ALWAYS kept confidential! We will NOT sell your information, nor will we share it without your permission.
We do NOT practice law, nor do we give legal advice. If you need legal assistance, you should seek legal counsel from an experienced attorney in the field of concern. We do NOT provide or advise our clients or the general public in regard to mutual funds or securities products of any kind. We do NOT provide mortgages or loans of any kind. However, we will continue to provide several mortgage advisory services to our clients.
We'll also be glad to provide a FREE timely quote on any of our products or services, and explain them in greater detail. Look under Request A Quote (left margin), or call us in Casper at 235-1069. Outside of Casper, call us TOLL-FREE at 1-888-346-2630. Or, feel free to e-mail your request anytime by sending us a Response Form (see "Contact Us"above).
The primary purpose of our new website is to make you more aware of the availability of many important financial services....with a strong emphasis on retirement INCOME planning. In that regard, we also offer small business pension plans, as well as fixed annuities and life insurance. Our main goal is to do everything possible to help KEEP YOUR MONEY SAFE!
We're licensed in Wyoming only for the insurance products mentioned. We "specialize" in working with established small business firms and medical professionals. We've been active in the financial services profession since 1962....and we take pride in providing QUALITY timely service to the MOST IMPORTANT people to be found in America.....OUR CLIENTS!