PRESERVING YOUR RETIREMENT ASSETS.

We are committed to helping people pursue their financial goals. We offer financial products and services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to help reach them by our providing sound financial information.

Please call us or fill out the form to the right if you have any questions about our firm or the range of financial products and services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we know a group that does.

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives.

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COMPREHENSIVE RETIREMENT PLANNING

Today, you face new challenges that no other generation has faced before when retiring. With everything that has happened on Wall Street since the turn of the century, many people and their portfolios have been left vulnerable in this fast-paced financial environment. Financial planning for retirement on your own can be confusing, so we take the time to explain everything to you.

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you create and execute a sound and comprehensive retirement strategy!

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INVESTMENT MANAGEMENT

Investment management does not have to be complicated to achieve the best results. It starts with your goals, time horizon, and risk tolerance and ends with a financial plan that mitigates your exposure to risk, minimizes your tax liability, and maximizes your potential returns. At Principal Preservation Services, we pride ourselves on taking the time to educate every client on the options available to them so that you have the opportunity to understand the big picture and make educated investment decisions with our personalized guidance.

We also offer a complimentary risk assessment tool, Riskalyze, which can be found on our Home Page or by CLICKING HERE. Take the assessment to find out if your risk tolerance is properly aligned with your unique financial situation and goals.

Our clients know first‐hand that it’s not only about how much you make, but how much you keep.

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ASSET MANAGEMENT

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Have you ever been told how much money you’ll lose if the stock market crashes? If not, it may be a lot more than you think or could withstand. At Principal Preservation Services, we believe each client should understand how much risk is in their current portfolio and compare it to how much risk they’re willing to take.

As a retiree, receiving a salary to maintain your lifestyle and fund a savings account is no longer income that you can rely on. Your focus should shift from earning the highest possible rate of return to protecting what you’ve worked so hard for in your earlier years. In fact, we often see that the rate of return needed for your retirement plan is a lot lower than you think, which means you don’t have to take as much risk after all! We want to help our clients remove themselves from taking unnecessary risks so we can work to protect their assets first and look at how we can possibly grow them second. At the end of the day, our focus is to help ensure you don’t run out of money in your lifetime.

WHY IS LIMITING LOSSES SO IMPORTANT?

Because the loss is harder to make up.

Another large factor to consider in portfolio management is the amount of fees you are paying. It’s common for a retiree to think they are only paying 1% because that is what they’ve been told by their current broker. But what if you found out there were unseen costs that made your yearly fee’s closer to 3% or 4%? Part of our planning process is to see if we can lower our fees for our clients, be transparent about the fees we charge and how that will ultimately affect your plans for retirement. We do this by utilizing advanced planning software that shows us where we can potentially minimize the impact fees will have on your portfolio. Our hope is that we can showcase the difference this will make in your plan during your complimentary financial planning review.

Important Disclosure Information:

Investment Advisory Services offered through AlphaStar Capital Management, LLC a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. AlphaStar Capital Management, LLC and Principal Preservation Services, LLC and Principal Wealth Services, LLC are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions.

TERMS OF USE   |   IMPORTANT DISCLAIMER

SOCIAL SECURITY OPTIMIZATION

What opportunities might be available to help you increase your benefits? Avoid costly mistakes and find out how you can be prepared to capitalize on your Social Security benefits with a customized report.

We’ll work with you to help uncover ways to maximize your social security benefits and learn about the ways to help increase your income in retirement.

  • How will the new laws affect you?
  • When is the best time to apply for benefits?
  • Are you married? Learn about strategies to help coordinate benefits with your spouse.
  • What opportunities might be available to help you increase your benefits?

What you don’t know could potentially cost you. Most people think their social security benefits are fixed, and set in stone. But, that may not be true. Consider this:

  • 2,728: the rules for claiming your social security benefits.
  • 567: The number of ways to claim social security benefits.
  • 64%: Beneficiaries that receive at least half of their income from social security.
  • $200,000: The additional benefits you could be leaving on the table.

Come to our office to receive your no obligation free strategic social security report!

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TAX MANAGEMENT

Taxes are one of the single largest expense we have, yet we spend so little time considering ways we can keep Uncle Sam out of our wallets. At Principal Preservation Services, one of our founding principles is to help our clients identify ways to lower their overall tax burden. Every financial move you make has tax implications and it goes without saying that if you had a professional team of seasoned experts monitoring those tax consequences and offering strategic advice in concert with your investment management, retirement and estate planning, your savings could be staggering.

There are so many ways you can save on taxes, from your retirement asset withdrawal plan to even deciding between paying interest on or paying off debt. No two families are in the exact same financial position, so the bottom line is that at the end of the day, it’s about how much you can save on your taxes. We look forward to the opportunity to help you keep more of your hard-earned cash where it belongs: in your wallet.

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ESTATE PLANNING & CONSERVATION

Estate plans need to be designed and executed with a high level of attention to detail in order to minimize related taxes for your family and heirs, allow your assets to pass on outside of probate court and make sure your final wishes are carried out exactly as planned. Even small mistakes can prove to be very expensive and invalidate legal documents, which is why our team of professionals takes the time to review every aspect of your plan extensively.

At Principal Preservation Services, we look forward to the opportunity to help you get your affairs in order with the confidence of knowing your legacy will leave its mark. You’ve worked your entire life to support your family and deserve the peace of mind that a comprehensive estate plan can give you.

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INSURANCE & ANNUITY PRODUCTS

We have all had those days. Those mornings over the course of our careers when getting out of bed and going to work was the last thing we wanted to do, but you did. You worked hard for decades and you’ve finally done it. You reached the point where you’re ready to retire. That first Monday when you sleep in as late as you want…There are few moments as glorious.

This is the point where many retirees face one of the hardest aspects of being retired: switching gears (mentally) from amassing wealth to supporting yourself with it. This transition from accumulation to distribution sounds obvious, but you might be surprised by how strange it feels. You spent your entire adult life earning a paycheck and always adding to your retirement savings, your nest egg, “the pile.” Now the pile is as large as it is ever going to be, and you need to be strategic about how you spend against it. Then you realize it: Your savings are finite now.

When we have questions about our health, we wouldn’t hesitate to ask a professional doctor for advice. Sure, we could go it alone, but we might not be maximizing our longevity. That’s irrational when the alternative was as quick and simple as taking the time to ask the experts in their field for a checkup and a long-term plan. The same is true for your financial position. In order to make your money last as long as possible and achieve the goal of leaving behind a certain amount for your loved ones, you need a financial review and a long-term plan. Unfortunately, some retirees will be hesitant to visit their doctor when they should and as a result, are taking unnecessary risks. In terms of savings, if you want the best shot at being as successful as possible in retirement, you need to avoid that hesitation and seek professional financial advice. The only thing you have to lose is potential income, so do what hundreds of families already have. Reach out to Principal Preservation Services today and give yourself the gift of financial independence.

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Proudly providing comprehensive retirement services to the great states of Minnesota & Wisconsin.

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