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Request Your Appointment Today!

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Receive a Complimentary Retirement Check-Up and Recovery Plan, and a $100 Gift Card to Outback, Carrabba's, or Bonefish Grill

 

Join Us As We Discuss:

*Discuss how market volatility is impacting your portfolio and ways to mitigate that risk.

*Discuss strategies that may help you retire at the same standard of living, have your money last through your life expectancy, and adjust for inflation.

*What rate of return do you have to earn on your savings and investments?

*How much do you need to save on a monthly or annual basis?

*How long will you have to work, or by how much will you have to reduce your standard of living, in order to have your money last through your life expectancy?

*Retirement Income - Do you have a lifetime income plan in place?

*Determine your optimal retirement election strategy for your Social Security benefits - nine possible election strategies across all 81 possible age combinations under each election strategy for a married couple.

*How to protect yourself from the 50% tax trap on your IRA.

*Discuss ways that may help you reduce your taxes on Social Security.

 

Get a Valuable Second Opinion from an Experienced Local Financial Advisor

When we meet, I will be glad to share with you how I have helped many other area residents plan for a more secure financial future for themselves and their heirs. Have you done enough to determine that your investments are allocated properly for your goals, dreams, and legacy? Complete the form above to request your personal appointment date and time, and the $100 Gift Card to Outback, Carrabba's, or Bonefish in on me upon completion of the 2nd opinion analysis.

 

This offer is intended for those with $100,000 or more of investable assets. The $100 Gift Card to Outback, Carrabba's, or Bonefish will be provided upon the completion of the 2nd opinion analysis at the second appointment. If married, both spouses must be present at the appointment to receive the Gift Card. 

July
20
2019
Facts about the Home Equity Conversion Mortgage (HECM), commonly known as a Reverse Mortgage
Start Time: 11:00 AM
Chillfire Bar & Grill

Denver, NC
August
10
2019
Federal Employee Benefits - All Federal Employee's Welcome
Start Time: 10:30 AM
Salisbury Business Center
301 South Main St.
Salisbury, NC 28144

Register Today

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John B. Balcerzak
CFP, Founder, Managing Member, Author, Investment Advisor Representative

With over 20 years of experience in the financial services industry, John Balcerzak has dedicated his business career to helping families and small businesses accomplish their financial goals by focusing on their core values which involve balance and clarity of all four asset classes. (Financial, Intellectual, Social and Human).

With all the turmoil in the markets and conflicts of interest with advisors, John believes clients can be best served when advisors act as fiduciaries for their clients. John also believes that “if you always take care of the clients’ best interest first, the clients will take care of you and you can build real trustworthy lifelong client relationships.” John has been a multi-year winner of the Five Star Professional award, is a regular contributor to WCNC’s Charlotte Today show, hosts a radio show called “Creating Lifestyles Building Legacies” and is a published author. John has also been featured in Forbes magazine and has the following licenses: Series 65, Life & Health, Long-Term Care and Property and Casualty. To further his education and ethics, John attained the Certified Financial Planner ™ certification.

John resides in Lake Norman with his wife, Anya, and their two sons, John and Aiden. John and Anya attend Elevation Church. John is also a member of the National Ethics Bureau and the Financial Planning Association. One of John’s true passions is giving back so both A4 Wealth Advisors, LLC and John are actively involved in the Gradient Gives Back program and help raise money for St. Jude Children’s Research Hospital. John enjoys boating, skiing, golf, traveling, reading and attending Carolina Panthers football games. John is committed to truly make a positive difference for all the people in his life.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of A4 Wealth Advisors, LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee based financial planning and investment advisory services are offered by A4 Wealth Advisors, LLC, a Registered Investment Advisor in the States of North Carolina and South Carolina. Insurance products and services are offered through A4 Insurance Solutions. A4 Wealth Advisors, LLC and A4Insurance Solutions are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of North Carolina or where otherwise legally permitted. A4 Wealth Advisors, LLC and John Balcerzak are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions. The National Ethics Association (NEA) provides no guaranteed assurance or warranty of the ethical integrity or service quality of its members. Always make decisions on the basis of your own due diligence. NEA is a member organization of business professionals and is not affiliated with any state or federal government agency. 

The Five Star program is the largest and most widely published financial services award program in North America. Award candidates are evaluated against 10 objective criteria to determine the Five Star Wealth Managers in more than 40 major markets. The Five Star Wealth Manager award process includes:

Nominations by peers and firms: Wealth managers, including SEC- and state-registered investment advisory representatives and registered investment advisors, are nominated by their firm or a peer to be considered for the Five Star Wealth Manager award. Self-nominations are not accepted.

Objective selection process: Award candidates are evaluated against 10 objective eligibility and evaluation criteria: 1) Credentialed as an investment advisory representative (IAR) or a registered investment advisor; 2) Actively employed as a credentialed professional in the financial services industry for a minimum of five years; 3) Favorable regulatory and complaint history review; 4) Fulfilled their firm review based on internal firm standards; 5) Accepting new clients; 6) One-year

client retention rate; 7) Five-year client retention rate; 8) Non-institutionalized discretionary and/or non-discretionary client assets administered; 9) Number of client households served; 10) Educational and professional designations.

Regulatory and consumer complaint process: Feedback from consumer surveys will augment a regulatory history review.

Firm review: Firms will have the option to provide input on award candidates from their firm, regardless of the nomination source.

Click here for detailed information on the Five Star Wealth Manager research methodology.

Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited.

Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited.