Financial Planning based on safe money concepts. It's never too early to start planning for retirement. Planning for retirement is about more than just building a nest egg. People need to plan for the problems that life may throw at us. Judicious use of various financial tools to make sure that we can depend on having the funds to enjoy a good retirement as well as protect us and our loved ones for the bumps in the road we are liable to confront. True planning includes determining what future needs will be, and addressing the best way to guarantee the those needs will be covered. We can't just accept taxation and inflation, we must plan to legally reduce taxation and lessen the effects of inflation for our entire lifetime. We need to protect ourselves and family against a wide range of possible derailments - such as disability, premature death, and other catastrophes. Business owners need to plan early for possible succession, both for retirement and early problems such as loss of key workers, etc. Services include retirement planning for all ages, advanced tax planning, Life, health disability and critical illness insurance, Tax advantaged retirement income, Business succession planning and estate planning concepts. We work in concert with highly skilled attorneys and accountants to satisfy the various needs of our clients.

Herbst Financial Advisors, Inc. has more than 50 years of combined experience providing financial services and investment strategies to affluent individuals and businesses. Managing significant wealth can be complex and time consuming. To manage your wealth effectively, you need a partner with a vested interest in your financial well-being. Our unique Total Financial Management process was developed and refined over a 20-year period to provide a defined plan of action that effectively integrates every aspect of your financial life. We are pleased to be among a limited group of advisors offering Dimensional Fund Advisors (DFA) mutual funds through LPL Financial. To learn more about DFA, contact us for a consultation. Securities offered through LPL Financial, Member FINRA/SIPC

Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA (www.finra.org), SIPC (www.sipc.org). A Registered Investment Adviser. Strictly intended for individuals in: AK,AZ,CA,FL,IA,IL,IN,MO,SC,TN,TX,UT,VA,WA,WI. No offers may be made or accepted from any resident outside these states due to various state and registration requirements regarding investment products and services.

Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC. A Registered Investment Adviser.