Live Your Retirement With Confidence.
Retirement Planner
Located Nearby in Scottsdale, AZ
Get a retirement plan that you’re confident will go the distance from a financial advisor that has your back.
Protect your hard earned savings, IRA, 401k, 403b, and TSP plans with a custom strategy that’s built for security and reasonable growth based on your risk tolerance and goals.
Retire
Secure
Get a plan you fully understand which also secures the lifestyle you want without concern for the future or having to count coffee cups.
Complete
Planning
Move forward confidently with strategy, growth, lifetime income, and security — your retirement and financial future clearly defined.
Invest
& Grow
Enjoy growth that feeds the future with math based investments that work with your retirement risk tolerance and help to compensate for inflation.
Lifetime
Income
Gain lifetime income that works much like a pension, is protected from all market loss, and does not sacrifice future growth.
Our Method For Retirement Planning
The IQ Wealth® S.M.A.R.T. Retirement Bucketing System™
Protect What You've Already Made—Don't Go Backwards
We are living in the age of turmoil. Markets will rise and fall the rest of your life. A cookie-cutter portfolio from a big brokerage could get smashed at precisely the wrong time. Smart planning for retirement means getting a floor under a large part of your money, growing it wisely, and securing steady income.
Create More Income Than You Can Spend—For Life
We must always plan for growth and liquidity, but without secure, safe, and steady income for life, you may worry constantly about markets. Our planning system puts you in the driver’s seat with all the income you need to meet your living and lifestyle expenses.
Prudently Grow Your Money The Right Way: I.Q. Smart Equity Portfolios™
Most people are disappointed with the investment choices offered through their 401ks. Why jump out of the frying pan into the fire? The intelligent approach to your money is to Insure Your Income, Insure Your Outcomes, and Invest The Rest With Purpose® in IQ Wealth dividend and technology portfolios.
Retire and Stay Retired
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As Seen:
Freedom in Retirement
Through the financial counseling process, we help our clients implement strategies matched to risk tolerance, income needs and family priorities. We help our clients focus on where they are now, where they want to be and what steps must be taken to get there.
Here’s What an IQ Wealth™ Management Financial Advisor Can Do For You
Consolidates and takes inventory of your liabilities, expenses and lifestyle needs.
Cares more about you and your money than anyone who doesn’t share your last name.
Helps to formalize your goals and puts them in writing.
Simplifies and clarifies money management.
Helps you prioritize your financial opportunities.
Prepares an asset allocation model for you to achieve the optimal rate of return for a given level of risk tolerance.
Builds an income strategy that relies more on math than markets.
Helps segregate your money into financial “buckets”, each with its own task and time deadline.
Strives for tax efficiency, lowering of risk, optimizing growth and income.
Helps you maintain ample liquidity, now and in the future.
Works to keep your fees lower, not higher.
Helps you weigh and analyze pension, lump sum and rollover decisions.
Analyzes and helps to optimize your Social Security decisions.
Analyzes and helps to optimize your long-term care decisions and solutions.
Monitors your investments, seeking to lower your risk while expanding your opportunities.
Reviews your traditional and Roth IRAs and all beneficiary designations.
Reviews your insurance and annuity holdings.
Helps you determine if an annuity is right for you, and if so what type of annuity and what amount.
Helps you determine the risks and weaknesses in your current plan.
Lays out an architectural map of your optimal model for retirement.
Finds the right mix of investments, insurance and fixed income assets for your current age.
Respects your risk tolerance and time horizon.
Helps clarify your plan beneficiary wishes for your heirs—keeping it simple and seeking to avoid probate.
Can provide you with technical, fundamental and qualitative investment analysis.
Constructs a plan for handling your required minimum distributions, without stress or worry.
Is a wise sounding board for ideas you are considering for investing, business, etc.
Works with your legal and tax advisors to protect your holdings, or refers you to qualified assistance within our team of planning professionals.
Is proactive about staying in communication and keeping you up to date.
Truly cares about your most important outcomes.
Is honest with you.
Through our comprehensive and proactive approach to your retirement, we work to help you build true financial independence both now and for the long run.
Maximizing your opportunities, minimizing your risk — we call it doing our job.
Background & Qualifications
- Accredited Investment Fiduciary®
- A Kiplinger® Contributor
- Certified Income Specialist™
- A member in good standing of the Financial Planning Association® (FPA)
- Registered Investment Adviser
- Popular business radio commentator
- Best-selling author of “Smart is the New Rich”
- His comments have appeared in press releases published on Bloomberg, TheStreet.com, MarketWatch and CNBC
- Nearly two decades of financial experience helping clients achieve their retirement goals
- Located in Scottsdale, AZ
Steve Jurich — Founder of IQ Wealth Management®
Accredited Investment Fiduciary®, Investment Manager, Certified Income Specialist™
Begin the Conversation
Explore the S.M.A.R.T. Retirement Bucketing System™
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Doreen (Teacher)
Here’s a general example of how some of our clients typically think.
Retiring in 5 to 10 Years
Age: 55 years
Portfolio: 403b/TSP + IRA, and a small Roth IRA
Current Portfolio Mix: Assorted stock mutual funds, bond funds, and target date funds Total invested assets: $1.1 Million
Risk Tolerance: Conservative to Moderate
Pension: Yes
Current portfolio mix (prior to coming to IQ Wealth)
Assorted stock mutual funds, bond funds, and target date funds. Has personal savings and bank accounts outside of IRAs.
Concerns
Doreen is concerned about a major market setback right before or right after she retires. She experienced both the 2000 and 2008 crashes and knows she was “saved” because she had a good job and kept contributing to her 403(b). She worries that her money could be cut in half at precisely the wrong time.
Retirement Goals
Many of our clients are early planners who want to make sure they have ample growth and more than enough income waiting for them when they retire in the next 5 to 10 years. Typically, the larger part of their assets are held in their 401k, 403b, or, 457 plan, or TSP and are looking to roll it over into an IRA and then find the best and safest options for putting their savings to work for their retirement.
Ron (Engineer)
Here’s a general example of how some of our clients typically think.
Retiring in 5 to 10 Years
Age: 59 years
Portfolio: (401k) + IRA, personal savings joint with spouse
Current portfolio mix: Assorted stock mutual funds, bond funds, and REITs. Owns one rental property
Total invested assets: $1.6 Million
Risk Tolerance: Conservative to Moderately Aggressive
Pension: Yes, but minimal from a previous employer
Investment Priorities
Secure income, maintain liquidity, grow capital for the future with a defined strategy and a written financial plan.
Concerns
Ron enjoys investing in stocks but is growing increasingly concerned about government debt and political strife. He believes a more prolonged crash then the Covid 19 crash is imminent. He experienced both the 2000 and 2008 crashes and knows he was “saved” because he had a good job and kept contributing to his 401(k). That company finally laid him off and he moved to another high tech company in the Phoenix Metro area. Because he does not have a significant pension, Ron wants to make sure his income exceeds his expenses throughout his lifetime, regardless of market fluctuations. As an engineer, he wants part of his investments to be mathematically guaranteed to eliminate as much uncertainty as possible with regard to his primary priorities. With the balance, he is fine with a moderate to aggressive investment stance.
Summary
Many of our clients are early planners who want to make sure they have ample growth and more than enough income waiting for them when they retire in the next 5 to 10 years. Typically, the larger part of their assets are held in their 401k, 403b, or, 457 plan, or TSP and are looking to roll it over into an IRA and then find the best and safest options for putting their savings to work for their retirement.
Jerry and Katie (Engineer/Housewife)
Here’s a general example of how some of our clients typically think.
Retiring Within 1 Year or Sooner
Age: 65 and 62 years
Portfolio: (401k) + IRA, personal savings joint with spouse
Current portfolio mix: Assorted stock mutual funds, bond funds, and target date funds. Has personal savings outside of IRAs. Kate has recently received an inheritance of $250,000
Total invested assets: $2.3 Million
Risk Tolerance: Conservative to Moderately Aggressive
Pension: None
Investment Priorities
Secure income, maintain liquidity, grow capital for the future with a defined strategy and a written financial plan. Would like to leave a moderate amount of money to kids and grandkids.
Concerns
Jerry has been handling the investments while Kate manages the checkbook and household bills. Kate has become increasingly concerned about investment losses at the wrong time in their lives. Jerry agrees and is prioritizing securing a lifetime income of at least $3,600 a month with no market risk. He wants the income to cover both him and Kate for life. He experienced both the 2000 and 2008 crashes and knows he was “saved” because he had a good job and kept contributing to his 401(k). He has a good job but knows that the company is on a “youth mission” and a pink slip could happen any time. He wants to retire but not without knowing exactly how much money will be coming in, safely and reliably.. As an engineer, he wants part of his investments to be mathematically guaranteed to eliminate as much uncertainty as possible. With the balance, he is fine with a conservative to moderate investment stance, with a minor amount, moderately aggressive.
Summary
Many of our clients are early planners who want to make sure they have ample growth and more than enough income waiting for them when they retire in the next 5 to 10 years. Typically, the larger part of their assets are held in their 401k, 403b, or, 457 plan, or TSP and are looking to roll it over into an IRA and then find the best and safest options for putting their savings to work for their retirement.
Paul and Cynthia (Retired Attorney/Retired Teacher)
Here’s a general example of how some of our clients typically think.
Already Retired
Age: 68 and 65 years
Portfolio: Rollover IRA from 401(k) and 403(b). Personal investments in name of Living Trust.
Legacy Motive: Moderate. Looking to make sure they remain secure and mistake free so as not to become a burden. Cynthia is taking care of her mom who currently needs assistance. As a couple, they plan to leave a free and clear home in Phoenix and a second home Munds Park and what remains of their investments.
Total invested assets: $3.1 Million
Risk Tolerance: Conservative to Moderately Aggressive
Pension: Cynthia has a pension of $22,000 annually. Both have strong Social Security income, which they are currently receiving. Paul does not have a pension, and is seeking a secure income of $5,000 a month from their investments. They love to travel and cruise, and are ready when it becomes feasible again
Current portfolio mix (prior to coming to IQ Wealth)
Assorted stock mutual funds, bond funds, and target date funds. Has personal savings outside of IRAs. Kate has recently received an inheritance of $250,000.
Investment Priorities
Secure income, maintain liquidity, grow capital for the future with a defined strategy and a written financial plan. Would like to leave a moderate amount of money to kids and grandkids. Wants and advisor who will listen and address their priorities.
Concerns
Paul has been handling the investments while Cynthia manages the checkbook and household bills. Cynthia has become increasingly concerned about investment losses at the wrong time in their lives. Paul agrees and is prioritizing securing a lifetime income of at least $5,000 a month with no market risk. He wants the income to cover both him and Kate for life. He experienced both the 2000 and 2008 crashes and knows he was “saved” because he had a good job and kept contributing to his 401(k). He has a good job but knows that the company is on a “youth mission” and a pink slip could happen any time. He wants to retire but not without knowing exactly how much money will be coming in, safely and reliably. As an engineer, he wants part of his investments to be mathematically guaranteed to eliminate as much uncertainty as possible. With the balance, he is fine with a conservative to moderate investment stance, with a minor amount, moderately aggressive.
Summary
Many of our clients have already retired, but have discovered that their current advisor’s strategy does not match their current goals, risk tolerance, and time horizon. They’ve reached the stage where they want most of their money out of harm’s way, protected from falling markets. That said, they still want to grow money prudently. Many also want to gain some form of extra long term care protection, without the typical costs associated. Some have strong legacy motives, others not as strong. The main goal is an organized plan focused on preservation, income, less worry, and more predictability.
Alan and Dottie (Retired Dental Practice Owner/Office Manager)
Here’s a general example of how some of our clients typically think.
Already Retired
Age: 73 and 71 years
Portfolio: Rollover IRA from 401(k) and 403(b). Personal investments in name of Living Trust.
Legacy Motive: Moderate. Looking to make sure they remain secure and mistake-free to maintain the level of their current net worth. Alan’s parents have passed away. Dottie’s are both still alive in their 90s, meaning she could live well into her 90s. They own a free and clear home in Scottsdale, a home in Northern Arizona, and a cabin in Michigan.
Total invested assets: $7.9 Million
Risk Tolerance: Conservative to Moderately Aggressive
Pension: Cynthia has a pension of $22,000 annually. Both have strong Social Security income, which they are currently receiving. Paul does not have a pension, and is seeking a secure income of $5,000 a month from their investments. They love to travel and cruise, and are ready when it becomes feasible again.
Current portfolio mix (prior to coming to IQ Wealth)
Assorted stock mutual funds, bond funds, and target date funds. Has personal savings outside of IRAs. Kate has recently received an inheritance of $250,000.
Investment Priorities
Secure income, maintain liquidity, grow capital for the future with a defined strategy and a written financial plan. Would like to leave a moderate amount of money to kids and grandkids. Wants an advisor who will listen and address their priorities.
Concerns
Alan has been handling the investments while Dottie manages the checkbook and household bills. Dottie has become increasingly concerned about investment losses at the wrong time in their lives. Paul agrees and is prioritizing securing a lifetime income of at least $6,000 a month with no market risk. He wants the income to cover both him and Dottie for life but does not want to “annuitize.” He lost money in both the 2000 and 2008 crashes and knows he was “saved” because of his successful business and strong income. He kept contributing to his 401(k). Although he is savvy as an investor, he wants to lighten the load and have a professional manage more of the couple’s assets. He likes the idea of uncapped Next Generation annuities, a dividend portfolio and a technology portfolio.
Summary
Many of our clients have already retired, but have discovered that their current advisor’s strategy does not match their current goals, risk tolerance, and time horizon. They’ve reached the stage where they want most of their money out of harm’s way, protected from falling markets. That said, they still want to grow money prudently. Many also want to gain some form of extra long term care protection, without the typical costs associated. Some have strong legacy motives, others not as strong. The main goal is an organized plan focused on preservation, income, less worry, and more predictability.
S.M.A.R.T. Retirement Bucketing System™
From IQ Wealth Management® and Accredited Investment Fiduciary® Steve Jurich
Secure income to meet all living and lifestyle expenses, contractually guaranteed
Math-based planning to make sure you have enough income
Ample liquidity to meet travel, lifestyle, and emergency needs
Retirement done your way, guided by people who treat you with respect and courtesy (and don't turn you over to a trainee)
The right advisor who will listen to your needs and priorities--with the skill and experience to make it happen
Retire and Stay Retired
Explore the S.M.A.R.T. Retirement Bucketing System™
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Why Choose IQ Wealth Management®?
Your adviser should be someone worthy of faith and trust. You will be confiding in him or her about your important dreams, goals, and concerns. That is why you don’t want a salesperson, you want a fiduciary who has years of experience, has managed through difficult financial times, and helped hundreds of clients turn their dreams into reality.
Our mission is simple: It's all about you.
Ask questions and make decisions with confidence as you work with Steve, who is an Accredited Investment Fiduciary® and legally can only respond in your best interest and cannot make recommendations based on his own benefit (which he wouldn't do anyway).
Retire with confidence after a patient and educational process of analyzing and selecting the best retirement income and growth options for your specific needs with Steve, who is a Certified Income Specialist™.
Live your retirement the way you want to with a retirement plan that fits the lifestyle you prefer that's straightforward and easy to understand. We'll never tell you how to live your life, but we will help you plan your retirement.
Know you're in the right hands when making retirement decisions by working with Steve, who has specifically specialized in serving people in retirement or approaching retirement for over 20 years.
Above: Gary K. (Fox Business) gives his thoughts on Steve Jurich
Note: Steve's process is practical and complete. No decisions are made for you. There will always be a period of clarification, education, and selection before making any financial and/or retirement decisions. It's important to Steve that nobody simply rushes into something before they understand its purpose.
Retire and Stay Retired
Explore the S.M.A.R.T. Retirement Bucketing System™
Exclusively From IQ Wealth Management®
As Seen:
Plan
The IQ Wealth Smarter Financial Bucketing System™ aims to simplify your plan for building, growing, and protecting your retirement money.
Rather than a haphazard, traditional pie-chart approach, Smarter Bucketing™ brings order, discipline, and control to your plan for retirement. Smarter Bucketing™ separates your savings into clear and distinct buckets. Most important, it establishes a firewall between your income assets and your growth assets, giving every dollar in your portfolio a specific task and time deadline.
We live in a complicated, constantly changing world. The stock market is in uncharted territory. Bonds pay too little to live on. Politics is a mess. And we are learning that Social Security in its current form may not always exist for those with higher “means.”
The IQ Wealth Smarter Bucketing System™ helps you get serious about allocating money for the NEXT twenty years, rather than remaining stuck in your strategy of the PAST twenty years. Plan smarter. Invest smarter. Ensure your outcomes by first insuring your income. Our team will be happy to put you in the driver’s seat to a more worry-free retirement.
Invest
The IQ Wealth Smarter Financial Bucketing System™ allocates your retirement money into four main “buckets”: Cash, Fixed Income, Capital Growth (investments), and Insured Outcomes. The right amount of money needs to go into each bucket, which is part of our planning process for you. When investing your money for retirement, you must consider your age, risk tolerance, and time horizon.
Discipline matters. By investing with a specified purpose, and investing with a defined strategy, you may increase your probability of success. Performance relies on proper selection and allocation. By investing in leading companies dominating the most relevant industries driving the economy, our investment team approach works hard and smart.
As a client, you may enjoy access to The IQ Wealth® Blue Diamond Technology Leaders™ and the IQ Wealth® Black Diamond Dividend Growth™ Portfolios, Asset custodian: Fidelity® Investments. These are two exclusive, professionally managed portfolios designed for diversified long term growth.
Insure
Without insurance to protect against the worst that can happen, no one’s financial plan is complete. The good news about insurance—whether it is health insurance, car insurance, home insurance, umbrella protection, or income insurance—is that it ultimately REDUCES the cost of living your life.
Insurance is a necessity, not a luxury. It is not a true “investment” because we aren’t really looking for a “return” on fire insurance on our home– or collision insurance on our auto coverage. We want those to be “poor” investments in terms of dollars because we never want to see our house burn down or our car totaled in a crash.
The “return” from insurance is financial peace of mind and knowing you won’t be devastated by an unwanted event. In the IQ Wealth S.M.A.R.T. Bucketing System®, we consider annuity income to be “insurance” on the most important part of your financial plan for retirement: steady, reliable, lifetime income to keep filling your cash bucket.
We help you coordinate your Social Security benefits along with your annuities and other sources of income, to create a clear, written lifetime plan that gives you confidence.
Retire
You retire only once, so you’ve got to get it right. Those who retired in 1999 or 2007 without a protected income plan, paid a dear price. At IQ Wealth®, we’re not “general planners.” We don’t take a “one-size-fits-all” approach.
Retirement is what we do. Our only job is helping retirement-minded professionals—like engineers, teachers, medical professionals, and business owners realize the dreams they’ve nurtured for years—with a clear plan. If you’ve worked for several decades to grow your money, you now need a financial plan that is secure and custom tailored exactly to YOU.
Choosing the right skilled advisor—licensed as a fiduciary–can be your most important decision. The right advisor can help you avoid mistakes, avoid unnecessary losses, and help grow your capital reserves with investments that can work. In our view, the only way to retire confidently, is to know that your bills and debts are all paid, your investments are in the right location, and your most important outcomes are insured.
This combination is the S.M.A.R.T. way to retire so you can stop thinking about money every day, and reclaim the time to start enjoying life more with people you care about most.
Stay Retired
There are 5 things you can do with money—spend, save, speculate, invest, and/or insure. In retirement, you end up doing all five. How much you emphasize one over the other determines the quality of your life, the QUANTITY of your income, and the level of financial security you enjoy. You—and your money—need to make it through market crashes, personal health events, recessions, and even the possibility of living too long.
Prior to retirement, it’s normal and natural to think TALL with your money. Once you retire, it’s wise to think LONG with your money. Making your money last, and always having a monthly surplus even in rough economic times—THAT’S what makes for a great retirement. The worry can finally go away.
The goal is to have more money in reserve–and more money coming in than going out from now on, no matter what. With the S.M.A.R.T. Retirement Bucketing System™, your income is secure (for life), your investments have a specified purpose, and your important outcomes are backed by insurance.
You might call it “High IQ Retirement Planning.” We call it doing our job.
Get Your Copy of "Smart is the New Rich" When You Meet Steve
After the initial phone call and during your first appointment, Steve will give you a copy of his best selling book to keep.
"Changed My Thinking"
"Smart Is The New Rich" is a great overview of the many facets of retirement planning. It has changed my thinking about how much capital I have versus how much income I will have in retirement. The book provides easy to understand, side by side comparisons of risks and growth of hypothetical investments in Hybrid Fixed Indexed Annuities and the securities market. A good read and great reference for retirement planning for all age groups!
"Must Read"
I'm a Certified Financial Adviser and if I didn't run my own company I would join this guys'. Seriously, it's a must read in today's new financial reality in fact….I'm handing these books out to many of my clients for free, it's THAT important! Thanks Steve, I hope to meet you in person one of these days.
"Take Notes!"
After looking into annuities, and getting very confused by all the sales lingo, this book was a refreshing change. I appreciated its clear definitions of the different kinds of annuities, their pluses and downsides, and under which circumstances one may work well while another would flop. No hard-sells, no marketing jargon, just good information. Wish the rest of the annuity industry would take notes.
Retire and Stay Retired
Explore the S.M.A.R.T. Retirement Bucketing System™
Exclusively From IQ Wealth Management®
Above: Steve Jurich @ IQ Wealth® Spring Summit
As Seen:
About Steve Jurich
Steve Jurich is an Accredited Investment Fiduciary® who has been helping individuals and families retire and stay retired for more than 20 years. His daily radio broadcasts, financial updates, and steady contact with clients help to separate IQ Wealth Management from the “big box” brokerages. Steve’s clients enjoy world class resources (Fidelity and TD Ameritrade) while maintaining a personal touch. His clients include engineers, teachers, medical professionals, business owners, government workers, accountants, attorneys, and business owners.
Accredited Investment Fiduciary®
Steve has over 20 years of experience assisting clients with the biggest financial decisions in their lives—advising only in their best interest.
Financial Bucketing Professional
Steve is the founder of the IQ Wealth Smarter Bucketing System™ which he created to help his clients achieve a higher level of security, income, and growth in retirement.
Certified Income Specialist™
Steve surveys over 1200 annuities and rejects over 98% of them and has crafted a detailed selection process to help his clients select the right annuity for their specific retirement needs.
Investment Portfolio Leader
Steve conceived, originated, and developed the IQ Wealth Black Diamond Dividend™ Growth Strategy and the IQ Wealth Blue Diamond Technology Leaders™ Portfolio.
Radio Personality
Steve is the host of the daily radio show "Mastering Money" on Money Radio with over 1000 radio appearances.
Amazon Best Selling Author
Steve is the author of "Smart Is the New Rich", an Amazon best-seller that outlines a more predictable and stress-free approach to retirement funding and financial independence.
Financial Media Contributor
Steve's comments have been seen on Bloomberg.com, MarketWatch, and TheStreet.com. He's also a contributor to Kiplinger® Online.
Retire and Stay Retired
Explore the S.M.A.R.T. Retirement Bucketing System™
Exclusively From IQ Wealth Management®
How to Get Started With IQ Wealth®
Meet
Schedule a no-obligation free meeting to help us understand your goals, needs, and concerns so we can better help you.
Review
Using the IQ Wealth Smarter Bucketing System™, we help evaluate and develop your strategy so you can Retire and Stay Retired™.
Plan
Once we arrive at the retirement strategy that is best suited for you, we go to work to make it reality.
The Financial Planning Association® Code of Ethics
As members of the Financial Planning Association®, we work to maintain a fiduciary standard and to adhere to the Code of Ethics set forth by the Financial Planning Association®
INTEGRITY
An FPA member shall offer and provide professional services with integrity.
FPA members may be placed by clients in positions of trust and confidence. The ultimate source of such public trust is the FPA member’s personal integrity. In deciding what is right and just, an FPA member should rely on his or her integrity as the appropriate touchstone.
Integrity demands honesty and candor, which must not be subordinated to personal gain and advantage. Within the characteristic of integrity, allowance can be made for innocent error and legitimate difference of opinion; but integrity cannot co-exist with deceit or subordination of one’s principles.
Integrity requires an FPA member to observe not only the letter but also the spirit of this Code.
COMPETENCE
An FPA member shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which the designee is engaged.
One is competent only when he or she has attained and maintained an adequate level of knowledge and skill, and applies that knowledge effectively in providing services to clients. Competence also includes the wisdom to recognize the limitations of that knowledge and when consultation or client referral is appropriate.
In addition to assimilating the common body of knowledge required and acquiring the necessary experience, an FPA member shall make a continuing commitment to learning and professional improvement.
CONFIDENTIALITY
An FPA member shall not disclose any confidential client information without the specific consent of the client unless in response to proper legal process, to defend against charges of wrongdoing by the FPA member or in connection with a civil dispute between the FPA member and client.
A client, by seeking the services of an FPA member, may be interested in creating a relationship of personal trust and confidence with the FPA member. This type of relationship can only be built upon the understanding that information supplied to the FPA member or other information will be confidential.
In order to provide the contemplated services effectively and to protect the client’s privacy, the FPA member shall safeguard the confidentiality of such information.
OBJECTIVITY
An FPA member shall be objective in providing professional services to clients.
Objectivity requires intellectual honesty and impartiality. It is an essential quality for any professional. Regardless of the particular service rendered or the capacity in which an FPA member functions, an FPA member should protect the integrity of his or her work, maintain objectivity, and avoid subordination of his or her judgment that would be in violation of this Code.
FAIRNESS
An FPA member shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers and shall disclose conflict(s) of interest(s) in providing such services.
Fairness requires impartiality, intellectual honesty, and disclosure of conflict(s) of interest(s). It involves a subordination of one’s own feelings, prejudices, and desires so as to achieve a proper balance of conflicting interests. Fairness is treating others in the same fashion that you would want to be treated and is an essential trait of any professional.
PROFESSIONALISM
An FPA member’s conduct in all matters shall reflect credit upon the profession.
Because of the importance of the professional services rendered by FPA members, there are attendant responsibilities to behave with dignity and courtesy to all those who use those services, fellow professionals, and those in related professions.
An FPA member also has an obligation to cooperate with fellow FPA members to enhance and maintain the profession’s public image and to work jointly with other FPA members to improve the quality of services. It is only through the combined efforts of all FPA members in cooperation with other professionals, that this vision can be realized.
DILIGENCE
An FPA member shall act diligently in providing professional services.
Diligence is the provision of services in a reasonably prompt and thorough manner. Diligence also includes proper planning for and supervision of the rendering of professional services.
Copyright © 2014 FPA All rights reserved
While our firm, advisors and strategic partners may be members of organizations or may appear on a media outlet periodically, no endorsement is accepted or implied. We encourage and require that clients and prospective clients make financial decisions based on the merits of the offering, not on other factors. Listening to radio shows or reading articles does not begin a relationship with us. Only upon a personal and in-depth review can we discover what recommendations are suitable for you.
Retire and Stay Retired
Explore the S.M.A.R.T. Retirement Bucketing System™
Exclusively From IQ Wealth Management®
Steve Jurich (AIF®, CIS®, Investment Manager)
Schedule a Call
After filling out the form below, you’ll receive a call from Barb to schedule a good time for a phone call with Steve, or if you prefer, a visit to the Office to meet in person. Steve is prepared to answer all of your questions. Heck, even if you ran into him at the grocery store, he’d be ready. Helping people secure their retirement is what Steve does best. He’s here for you.
COVID-19: We Are Open and Serving Clients in Office and Over the Phone. All CDC Guidelines are being observed.
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Annuity guarantees rely on the financial strength of the issuing insurer. Annuities are long term income and preservation vehicles which may carry early surrender charges for a period of time, after which there are no surrender charges. Please see your annuity agreement for details and get a clear understanding before moving forward. A free second opinion service is available.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of IQ Wealth Management 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 IQ Wealth Management, a Registered Investment Advisor in the State of Arizona. Insurance products and services are offered through IQ Retirement Planning, Inc. 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 Arizona or where otherwise legally permitted. All references to locations outside of Arizona relate to our insurance services division only. Steve Jurich is a licensed life and annuity agent authorized in multiple states including California. (License 0b85609). Because our portfolios often allocate a combination of securities and insurance based products, we believe it is important for the consumer to understand the difference. Securities can and do lose money. Fixed index annuities should be viewed as long term income vehicles. Guaranteed Withdrawal Benefits are optional rider benefits for premium avaialble on some annuities, not available in all states. All guarantees are contractual guarantees provided by the claims paying ability of the insurer. Early surrenders beyond penalty free withdrawal privileges may incure surrender charges. Withdrawals prior to age 59 1/2 may incur tax penalties. Income rider values are are designed to generate contractually guaranteed income streams based on pooled reserves, and are separate from accumulated values. No specific investment, tax, or legal advice is being given and no offer is made to sell or buy any security, nor any specific insurance product. Always consult your tax preparer for tax advice. Past performance of all financial vehicles and indexes should not be relied upon to predict future results.Income and withdrawal guarantees on fixed index annuities refer to income values, not interest rates on accumulation values. Income withdrawal benefits are drawn from accumulation values. When withdrawal rates exceed interest rates on accumulation values, accumulation values are in position to fall. When withdrawal rates are less than interest rates on accumulation values, accumulation values are in position to rise. See your annuity documents for details.
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