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Financial Planning & Retirement

Secure your Financial Future with BMS Financial Services

Unlock the path to a secure financial future and retirement with BMS Financial Services. Our dedicated financial advisors provide knowledgeable guidance and personalized strategies to help you navigate the complexities of financial planning. Discover retirement planning, investment strategies, tax planning, estate planning, and more. Whether you're starting your career, nearing retirement, or already enjoying your golden years, we'll help you create a robust financial plan aligned with your aspirations.

Financial Planning

We create strategies that are tailored to your needs and goals.

Portfolio Reviews

Life changes. It is critical that we meet regularly to review your portfolio. 

Retirement Planning

Years of experience have prepared us to guide you through your life transitions.

<strong>Financial Planning</strong>

Financial Planning

We create strategies that are tailored to your needs and goals.

We view each client relationship as a partnership. You choose to partner with our team and we choose to partner with you; together we have a simple goal to pursue your current financial goals and for the long-term. As partners, we share this responsibility for success! Our commitment is simple and that is to provide you with leading edge financial advice supported by a team, technology, processes and systems that deliver consistently on that promise. We are committed to offering you regular portfolio reviews while offering a full range of financial products and services.

Portfolio Reviews

Life changes. 

It is critical that we meet regularly to review your portfolio, assess any changes in your circumstances and keep you abreast of any issues that may affect your financial future. You can expect to be contacted to set a face to face meeting a minimum of twice per year and more frequently as a situation warrants. There will be additional phone and/or email contact throughout the year.

Contact a BMS Financial Advisor for a Portfolio Review
<strong>Mortgage Review and Purchase Analysis</strong>

Mortgage Review and Purchase Analysis

Purchasing a home or simply refinancing can sometimes be a stressful, confusing process.

We will provide you with a comprehensive evaluation of your current mortgage or potential mortgage options. By assessing your financial situation and future goals, our team of experts can provide personalized recommendations to help you save money, reduce risk, and make informed decisions. 

Family Wealth/Legacy Planning

We can help you plan the transfer of your wealth and legacy to future generations by managing your taxes efficiently.

We will work with you to identify your goals and values, and create a customized plan. At BMS Financial Advisors, we will help guide you through complex estate planning laws with the goal to minimize tax liabilities, while also ensuring that your family’s legacy is protected and preserved. Congress has the rule book and they continually change the rules. We will make you aware of these changes and help you navigate the constantly changing laws.

Learn More About Our Wealth Planning Services
<strong>What-If Scenarios</strong>

What-If Scenarios

Our advisors can help you prepare for unexpected events, such as a sudden job loss or market downturn.

When you work with our team you can feel confident that you have a comprehensive understanding of your financial options and the potential outcomes. Whether you're planning for retirement, saving for a child's education, or navigating other financial decisions, BMS Financial Advisors can help you make informed choices that align with your goals and values.

Retirement Planning

Years of experience have prepared us to guide you through your life transitions.

Take control of your financial journey and plan for a secure retirement with BMS Financial Advisors' exceptional Financial Planning & Retirement services. Don't wait any longer, contact us today to create a customized roadmap for your financial success and enjoy a worry-free retirement ahead.

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<strong>Retirement Plans</strong>

Retirement Plans

The financial advisors at BMS Financial will help you work towards your goals for retirement: 

  • Traditional IRA: A tax-advantaged savings plan designed to help individuals save for retirement. Defer the taxes now and pay them later. 
  • Roth IRA: a valuable option for those who want to save for retirement in a tax-efficient way and have flexibility in accessing their contributions. Pay the taxes now and pay no taxes on the growth and earnings later. 
  • SEP IRA: A Simplified Employee Pension IRA allows small business owners and their employees to make contributions to their respective retirement accounts. 
  • Simple IRA: Crafted for small businesses, It allows both employers and employees to contribute to the account. 
  • Educational IRA (529 Plan): A savings plan formulated to help families plan for education expenses such as college or K-12. 
  • 401(k) planning: We can assist you with your employer-provided 401k retirement plan and determine what level of contribution is suitable for you.
  • 403(b) planning: Similar to a 401(k), a 403(b) plan is a worthy option for individuals looking to save for retirement. 

Tax Bracket Planning

We will assess your individual income and offer ideas to reduce your tax liability. 

Estate Plan and Trust Review

We will help you ensure that your financial assets and property are distributed the way you want!

Tax Plans

We will assess you or your business’s  financial situation and work with you to reduce your tax liability.

College Plans

We can help you and your children plan for college and other educational financial needs.

Profit Sharing Plans

We can examine your employer-provided profit sharing plan and determine the contribution amount that makes most sense for you.