Investment Advisory Services

Larson Financial Solutions, LLC is a Registered Investment Advisor. We serve clients primarily in Arizona but have clients throughout the U.S.

Our Mission

We are passionate about helping people retire with at least 80% of their pre-retirement income. Here’s how we do it.

Personalized Investment Plan

The first step is to form a plan. We work one to one with each participant to determine what is required to achieve their individual retirement goal. A retirement plan of action is created to help the participant save enough to achieve the desired outcome. The investment plan is based on the participant’s budget and risk tolerance.

Cost-efficient Investments

We believe that a significant portion of a retirement portfolio should be allocated to broadly diversified investments that are passive in nature, such as index funds. There is wisdom in this. The benefits include automatic diversification, minimization of investment fees, and low risk of underperformance. That does not mean we believe in using passive allocation strategies exclusively.

Active Oversight

We actively allocate a portion of participant holdings to areas that are expected to outperform the general market. We then readjust the portfolio based on significant shifts in the market. This added layer of active oversight helps avoid major losses in times when markets experience severe downside.

Use of Modern Technology

We use portfolio management and trading technology to our advantage. Here are some of the benefits:

  • Appropriate investments are selected for each participant based on risk factors
  • Systemized approach to adjusting investments holdings
  • Automatic rebalancing based on a variety of allocation or timing parameters
  • Rising stop-loss orders triggers sales in falling markets and provides downside protection

Proactive Service & Regular Communication

Perhaps most important, we communicate proactively and regularly. We report regularly on the effectiveness of your plan and recommended changes we feel will improve the overall plan. We will keep you informed of investment positions, market conditions, and investment performance. We pride ourselves on quick turn-around of any service issues that arise in the course of serving our clients.
We are confident our expertise can help you achieve your objectives.

Control Costs – Invest More – Retire Sooner

Rising taxes and other costs make it harder for business owners to realize their retirement goals. Company-sponsored retirement plans can help get the dream back on track.
Company-sponsored retirement plans can help small businesses accomplish their top objectives:

  • Manage business and personal income taxes
  • Provide for the owner’s eventual retirement
  • Attract and retain motivated employees
  • Improve job satisfaction and loyalty to employer

Only about 31% of companies with 26-100 employees offer a retirement plan. A recent study listed some of the misconceptions that keep small companies from taking advantage of this versatile tool:

MISCONCEPTION #1: My Business is too small to have a retirement plan
FACT: The minimum number of employees required is ONE. This includes the owner.

MISCONCEPTION #2: Retirement Plans are too costly
FACT: Retirement plans can be very affordable. Administrative fees are very low and investment options can be nearly free to use.

MISCONCEPTION #3: Retirement Plans are too complicated
FACT: Using a qualified, experienced plan advisor to remove this burden from you keeps you focused on growing your business. It doesn’t have to be complicated.

Problem Solved!

Larson Financial Solutions solves these common misconceptions in the following ways:

  • Plans are tailored to fit your organization regardless of size
  • Use of best-in-class platforms for investments and administration keeps costs to a minimum
  • Outsourcing of administrative function allows you to focus on running your business
  • Education and planning services for participants removes legal risks from the plan sponsor

Starting a Plan? Consider the Benefits.

The success of your company depends upon your team members working toward common goals. One way to reinforce good team performance is to reward team members with the opportunity to participate in a company sponsored retirement plan. Studies show that employees are more productive and more loyal to their employer when their own personal needs are met.

The success of your company depends upon your team members working toward common goals. One way to reinforce good team performance is to reward team members with the opportunity to participate in a companysponsored retirement plan. Studies show that employees are more productive and more loyal to their employer when their own personal needs are met.

Employer Gets:
1) Retirement options for owner(s)
2) Reduced tax expense
3) Reduced turnover costs
4) Increased control over wages

Employees Get:
1) Financial incentive to participate
2) Professional asset management services
3) Reduced tax expense

What Retirement Plan is Best for You?

Some common retirement plans available to employers include:

  • 401(k) Plan
  • Profit Sharing Plan
  • SIMPLE IRA
  • SEP IRA
  • Defined Benefit Plans
  • 403(b) Plans (school, church)
  • 457 Plans (government)

WARNING: 401(k) Plans May Cause Employee Appreciation!

But that is only one of the many benefits.

Many studies have shown that small businesses that offer a retirement program tend to have more
productive employees. Retirement plans provide other significant benefits:

  • Saves on small business taxes
  • Supports the business owner(s) plans for retirement
  • Helps the business attract, and keep, top talent
  • Reduces employee turnover costs by increasing loyalty

If your company is considering adding a retirement plan for your employees, we can help you design the right plan, put it in place, and make it easy to manage. If you have a plan in place but are unhappy with any facet of it, we can help make it work better for you.

The services provided by Larson Financial Solutions can help you maintain an efficient, successful retirement plan that delivers on your top objectives.
To reduce taxes for this year, 401(k) documents need to be executed by 12/31/14.