Services

Jones & Associates Premier Financial Solutions takes pride in providing comprehensive financial planning services to our clients. We embrace our role as a fiduciary; always acting within our client’s best interests. Our comprehensive services integrate all aspects of our client’s financial picture in a coordinated effort to provide for a care-free retirement and multi-generational wealth.

Financial Solutions:

• Proactive Wealth Management
• Financial Planning
• 401(k) and 403(b) Protection
• College Planning
• Risk Management

Portfolio Investment Management: We design a portfolio unique to your circumstances in order to match your investment goals emphasizing diversification and risk management.

Retirement Income Management: Our goal is to maximize your income while protecting your principal.

Estate Distribution Planning: Strategies that help you structure a meaningful distribution of your assets in the manner you desire.

Legacy Planning: We assist you in developing a legacy for your family (or charities) that supports your value system in a positive and meaningful way.

As most families or individuals accumulate assets and insurance, they do so in “pieces”. A typical accumulation process may follow this pattern:

• You buy mutual funds from Person A.
• You buy real estate from Person B.
• You buy legal services from Person C.
• You buy 401(k)/403(b)s from Person D.
• You buy CDs and bonds from Person E.
• You buy life insurance from Person F.
• You buy health insurance from Person G.
• You buy long-term care from Person H.
• You buy medicare supplements from Person I...

Over time, you have many professionals doing different things with your "pieces". As such, these individuals may move on to other careers or pursuits and are replaced by other professionals you really don’t know and who are not fully in-tune with your specific circumstances. More importantly, these individuals are only interested in their particular "piece" - their area or expertise - and they handle it with what we call "tunnel vision."

As a result, you end up with disjointed "pieces" that do not quite fit together. At Jones & Associates we look at all your financial and insurance "pieces" and show you how they work together to create a solid financial strategy and retirement plan. More importantly, we show you how these pieces can be protected and optimized by working in concert with each other to achieve financial independence.

We specialize in coverage for you, your family, and/or your business. We offer a variety of plans to satisfy your insurance needs. As an independent firm we represent virtually every carrier available. We use our expertise and resources to ultimately provide you with the best possible solution.

Insurance Plans:

• Medical & Accident
• Short Term Medical
• Critical Illness
• Dental & Vision
• Life
• Disability
• Long Term Care
• Medicare Supplement
• Prescription Drug (RX)

At Jones & Associates, we believe no two investors are alike. Our investment process is client focused. We base our process on a personalized approach using multiple investment strategies. Our portfolios are tailored to our clients' investment goals, desired return objectives, risk tolerance, time horizon, cash requirements and tax situation. Our investment management strategy is designed based on your long-term investment goals of preserving principal, maximizing income or accumulating capital.

We serve:

• Individuals
• Employer Sponsored Pension Plans (401K)
• Foundations
• Endowments
• Corporations

We offer:

• Investment Advice
• Mutual Funds
• Exchange Traded Funds (ETF)
• Options
• Separately Managed Accounts

Exclusivity & Experience

Our firm expands our services by offering professional money management through our strategic investment partner Gradient Investments, LLC(GI). GI is an SEC registered investment advisor offering exclusivity to its strategic investment partners across the country. GI offers 20 proprietary portfolios to our clients managed by their Chief Investment OfficerWayne Schmidt CFA, MBA.

Schmidt is a regular contributor to Forbes, The Wall Street Journal, and a featured guest on Fox Business News. He has been quoted on the global economy in numerous nationally and internationally recognized investment publications such as Bloomberg, Rueters and the Los Angeles Times. He is a Chartered Financial Analyst® and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.

Schmidt boasts 26 years investment experience. During his tenure at AXA Investment Managers, he served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.

Our Firm has a strategic partnership with Gradient Tax, LLC (GT). Our Firm utilizes their exclusive team of CPA’s to provide tax planning, preparation and filing services for our clients. Our clients receive proactive advice on tax reduction strategies based on income, expenses, individual needs, and goals. Proactive tax planning allows our clients the opportunity to minimize tax burdens and build a solid foundation of tax reduction strategies that can result in years of tax savings.

Tax Planning Services:

• CPA Prepared Roth Conversion Analysis
• CPA Prepared 2nd Opinion Prior Year Individual and Business Tax Return Reviews
• CPA Prepared Year-End Tax Filing Services
• 1040 Tax Optimization Reports
• Personalized Tax Reduction Reports

Retirement Portfolio Tax Management: In retirement, taxes are often your largest tax liability. We evaluate your options for tax-free distribution strategies as a countermeasure.

Annual Income Tax Management: Initial and ongoing evaluation of income tax return to ensure you are taking advantage of all opportunities to reduce your annual tax liability.