Vincent Bethel - Financial Advisor in Fayetteville, GA | WiserAdvisor.com

We are dedicated to providing superior investment management results and sound financial advice. Simply put, we strive to be your trusted advisor. Our primary focus is to provide unbiased opinions and education that will help you reach your long term investment goals. Personal Financial Solutions was established in 2003 by Vince Bethel. Mr. Bethel has over 30 years of financial and investment experience. He is dedicated to professionally supporting, educating, and providing informed direction to each and every client.

Personal Financial Solutions, LLC

A strong planning process is the best way to create financial security. A financial plan must protect your needs now, and in the future. A solid financial structure will stand the test of time.
Our process is based on asset protection and wealth creation. The process provides income replacement and asset protection in the event of disability, critical illness or death. It also aims to build tax efficient investments.

Our philosophy is simple. We want to get to know you and help identify your financial needs. We want you to make the best decisions possible.
Our focus is to understand your goals and develop a plan to reach them. We will present a plan and discuss our recommendations. Together, we will implement the recommendations and monitor your progress.
We are committed to staying up-to-date on relevant tax, estate and social security laws in order to provide you with the best financial advice.

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceaseds dependents.

The advantages of life insurance include:

"	An instant estate for your loved ones at a time when funds are most needed
"	Death benefits that are almost always non-taxable for named beneficiaries
"	Avoid probate costs if you name a beneficiary other than your estate
"	Potentially offer your loved ones creditor protection through some life insurance plans
"	Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans
Life insurance can play a vital role in your financial security plan. We can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan - contact us today to find out how.

Each has its own investment characteristics which may not be appropriate for your financial profile; however, when they are combined in a portfolio, they can work to meet your investment objectives.  It is, therefore, important to consider all investments in light of your specific objectives and risk tolerance.

Weve partnered with a firm called 55ip that has developed innovative technology that can provide us real-time diagnostics on your portfolio.

"	Are you getting the most cost-effective solutions for your investment objectives? 

"	Are there lower cost ETF alternatives with the same exposures?  

If you have active mutual funds, this technology can analyze them and let us know if you really are getting active management. 
We can also systematically analyzing your portfolio all year long to look for opportunities for tax management

Business owners face unique challengesand opportunitiesin terms of financial planning. Youve worked hard to develop your ideas into a successful business, or perhaps youre considering moving into self-employment. Regardless of your situation, choose a financial planning strategy that takes advantage of your unique situation.
If you are considering moving to self-employment, contact us to discuss how to revise your financial plan. Working together, we will help you adjust from a situation where a previous employer might have provided benefits, such as health or life insurance or a company pension. Life and disability insurance can be difficult to purchase at first, since many insurers want two years of tax results. As well, self-employed people can gain tax write-offs for some health insurance premiums.

Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations.  For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived,  on average, an additional 15 years.  Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement.
Lifetime Income Need
There actually is a lifetime after retirement and the need to be able to provide for a steady stream of income that cannot be outlived is more important than ever.  With the prospect of paying for retirement needs for as many as 20 years, retirees need to be concerned with maintaining their cost-of-living.

Our products and services include:
Ï	Rollover 401(k) retirement plans and Individual Retirement Accounts
Ï	Mutual funds
Ï	Simplified Employee Pension Plans

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Vincent Bethel

Personal Financial Solutions, LLC

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