Our Services

Helping Seniors with their Retirement and Estate Planning

While many financial services companies attempt to be everything to everyone, Senior Financial Resources (SFR) focuses exclusively on the needs of those age 50 and over.  Years ago the American Association of Retired Persons sent membership information out six months prior to our 50th birthday to motivate us to seeriously prepare for a new phase of life.  Although we focus on financial planning, we work with other professionals to develop and or coordinate  related planning concerns.  Services are designed to assist seniors in protecting their assets and standard of living. Major services provided are:

Retirement Planning - The SFR staff calculates adequate retirement financial needs based on your objectives,time frames, and risk tolerances. All calculations begin with data provided during a thorough financial review. Funds from qualified and nonqualified sources, as well as other tangible assets are used to faciliate the development of your retirement plan. In some cases, we help clients access tax-deferred accounts prior to age 59 1/2 with no penalties.

Long Term Care SFR seeks to help you protect all that you have gained through your work, savings, and lifetime. We realize that you don't want to spend everything it took a lifetime to create for your long term care needs. We help you preserve your independence and maintain your lifestyle by providing you with a defensive retirement portfolio, and recommending cost-effective long-term care products when appropriate.

Estate Planning -Would you like to leave an estate for your heirs? Have you begun but not yet completed the estate planning process? If you have not yet funded your trust, let SFR help you do so.

Unique Solutions to Financial Problems: Would you like to implement a Charitable Gifting Plan for your church or favorite nonprofit organization? Do you have real estate or stocks that you would like to sell but are inhibited by capital gains taxes? If you have unique financial concerns, give SFR the opportunity to offer you some unique solutions.

How to sell real estate or stock with capital gains.

How to pass assets to the next generation and beyond without estate tax.

How to have investments keep pace with the stock market while having the principal guaranteed.

Many seniors can better organize their financial affairs when they become aware of new solutions and different approaches in addition to those presented to them by their stockbrokers, financial planners, and attorneys. SFR first eduates seniors about their alternatives and then assists them in implementing the proper solutions. SFR also holds seminars periodically in the Triangle area.

Call or email today to inquire about our services. We would like to help you with your specific concerns. There is no charge for an initial consultation.

Call: 919-876-6016

Fax: 919-301-8211

Email: debra@myseniorfinances.com

TESTIMONIAL:

I was unprepared several years ago when my financial situation was drastically altered by the death of my spouse. The paperwork and financial information after death can be daunting; of course, both require attention when the survivor is least interested in mentally engaging them. At such times, a friend and reliable financial advisor are invaluable. Debra A. Redden, President of Senior Financial Resources, immediately came to my aid and motivated me to act immediately and responsibly. Her advice proved to be sound.

Fortunately, my husband had made ample provisions for me in case of his demise. Debra showed me how to invest my newly discovered financial assets and how to live on the interest for a year! Debra also advised me on which resources to spend periodically and which resources to invest for the long term. I began to understand how and when to utilize taxable verses tax­ deferred assets. As my financial knowledge grew, I established and funded a Trust for efficient wealth transfers. With Debra's support, I implemented a plan to shelter my assets from taxes while accessing a minimal amount of assets when needed.

I am so very pleased with Debra's financial advice, and with my decision to respond affirmatively to the advice she has given me over the years. To my delight, my assets have increased admirably over the last 14 years! Thank you Debra!

Joyce Pettis, Ph.D.
Retired Professor, North Carolina State University