APS Ventures

Our Services

Start Here

Since financial services can be overwhelming, we try to simplify the process for our clients. That way our clients know what to expect and together, we make progress.

  • Introduction phone call or web meeting.

    The first phone call or meeting is simply to get to know one another. We believe finding the right fit starts here. Don’t be shy, if nights or weekends work best, just let us know. Time commitment: 30 minutes.

  • Create a financial plan using Right Capital software.

    This step is the cornerstone of our process. Completing a thorough assessment of your current situation will help build the next steps to help navigate your financial future. It will be a tool we continue to use every step of the way. Time commitment: 1 hour.

  • Phone call or web meeting to review the financial plan.

    Once the bulk of your information is entered, we will have a follow-up meeting to fill in any missing pieces and refine the calculations. This is when you can see your plan come to life. Time commitment: 1 hour.

  • Create an action plan.

    This plan is emailed to you after step 3 based on the information discussed during the meeting. The action steps can range from reading Total Money Makeover to setting up a Roth account with automatic monthly deposits. The list can be long or short and simple, but we know getting the things done always makes you feel better. Time commitment: Varies.

  • Set up investment accounts and retirement plan.

    If the action plan contains the need to set up an account to begin your investment journey or you have old accounts that need to be consolidated, this step gets you closer to achieving financial confidence. We guide you every step and do most of the heavy lifting for you. Time commitment: 30 minutes.

  • Review financial plan and investments semi-annually.

    Now that we have everything set up and operating smoothly, it’s time to let the investments and retirement accounts work their magic. But at least twice a year, we need to review your financial plan to make any necessary adjustments to stay on track. Any life event is a time to review your plan, such as changing jobs, marriage, new baby or paying off debt. Time commitment: 1 hour.

Making Money Matters Simple

Bringing money management & insurance together to tailor your holistic financial plan. We offer a wide range of services tailored to build your financial future and protect what matters most to you. From achieving your goals to protecting your assets, we're here to guide you every step of the way.

Wealth & Investment Strategies

Creating a robust financial foundation begins with understanding your short-term needs and long-term aspirations. Our approach involves a detailed conversation about your goals and the level of risk you're comfortable taking on. From there, we establish and meticulously monitor your investment accounts, adjusting as needed to align with your evolving financial landscape and helping to ensure that each decision moves you closer to your financial milestones.


In addition to setting up and overseeing your accounts, we emphasize the importance of ongoing knowledge and engagement. We provide you with insights and updates on market trends and investment opportunities that could impact your portfolio, empowering you to make informed decisions alongside us. Our goal is to help simplify the investment process, making it accessible and understandable, regardless of your financial background.

Insurance Strategies

Protecting yourself, your loved ones, and your assets is paramount in building a stable financial plan. We guide you through selecting the right insurance coverages for your needs, from life insurance that offers confidence for your family's future, to health insurance that safeguards your well-being, to property insurance that protects your home and vehicles. Our personalized approach helps to ensure you have the coverage you need, tailored to your life’s circumstances.


Beyond choosing the appropriate policies, we also focus on informing you about the benefits and limitations of each type of insurance. Understanding what your insurance covers and how it works is important in making the most of your policies. We're here to answer your questions and help you feel confident in your insurance decisions, helping to ensure that you're well-prepared for life's uncertainties.

Tax Minimization Strategies

Minimizing your tax burden requires strategic planning and proactive decision-making. We work collaboratively with experienced CPAs and accountants to identify tax-saving opportunities, such as IRA rollovers and deductions, that align with your financial situation. Our approach not only aims to reduce your current tax liabilities but also to optimize your tax situation for future years.


Our tax minimization strategies extend beyond immediate savings, focusing on the long-term impact of tax planning on your financial health. We keep abreast of the latest tax laws and regulations, advising you on changes and how they might affect your finances. This comprehensive outlook helps to ensure that your tax planning is both effective today and sustainable for the future, helping you keep more of what you earn.

Retirement Income Planning

Ensuring a comfortable retirement requires foresight and strategy. We delve into various income sources for retirement, from annuities that provide steady income streams to strategic withdrawals from 401(k)s and defined benefit pensions. Maximizing Social Security benefits is also a key focus, as it plays an important role in many retirement income plans. Our aim is to craft a retirement income strategy that supports your desired lifestyle while maintaining financial stability.


The planning process involves regular reviews and adjustments to reflect changes in your life, the economy, and tax laws. We're committed to providing you with a retirement income plan that adapts to your needs over time, offering reassurance that you’re well-prepared for the future.

Legacy & Estate Strategies

Establishing a legacy and planning for your estate are acts of foresight and care. We discuss the importance of life insurance and collaborate with your legal team to help ensure your estate planning documents—wills, trusts, and powers of attorney—are in order. These steps are important in protecting your assets and helping to ensure your wishes are honored.


Our services extend to offering compassionate guidance and support as you navigate these sensitive decisions. We understand the importance of legacy and estate planning in providing for your loved ones and contributing to causes close to your heart. Our dedicated approach helps to ensure that your legacy is crafted with intention and consideration, reflecting your values and wishes.

Business Planning Strategies

For business owners, protecting your enterprise and caring for your employees are essential components of your success. We offer strategic solutions, including key-person insurance to protect against the loss of crucial team members, and succession planning to help ensure a smooth transition for your business’s future. Additionally, we assist in setting up employee benefits, such as 401(k)s and health insurance, enhancing your business's appeal to top talent and supporting your team's financial well-being.


Our comprehensive business planning strategies are designed to address the unique challenges and opportunities faced by small and medium-sized enterprises. We provide customized advice to strengthen your business's financial foundation and promote a thriving work environment for you and your employees.


Through our holistic suite of services, APS Ventures is dedicated to partnering with you on your journey to financial clarity and success. Together, we'll navigate the complexities of financial and insurance planning, helping to ensure a prosperous future for you and your loved ones.

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