Van Houten Inc provides social security classes.



Better Business Bureau Review: Van Houten Inc
Ethical Arizona Member
The Society for Financial Awareness











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


Free Retirement Planning Review Free Retirement Planning Review Estate Planning Team

Retirement and Investment Planning Services

To develop a financial plan for your future, it's important for your financial professional to see a complete, 360 degree view of your financial picture, including how your retirement assets are integrated and work with one another. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan.

Do you have a specific area of concern?
At Van Houten & Associates, Inc., we offer or can refer you to professionals providing the following services:


To learn more about how we can help you, contact us today for a no-obligation 3-Step Review.
(602) 279-0929 | info@vanhouteninc.com

The information contained on this website is for information only. It is not intended to provide accounting, legal, or tax advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation. Annuity and insurance product guarantees are backed by the financial strength of the issuing company.


Investment Planning

Have you thought about your risk comfort level recently? Two questions can help you establish your risk comfort level.

Question 1:
How would your lifestyle change if you had a 30 to 50% GAIN in your investment portfolio?

Many people respond that they might spend or travel a little more or just feel more secure, but that nothing would dramatically change.

Question 2:
How would your lifestyle change if you had a 30 to 50% LOSS in your investment portfolio?

Some people respond that they would be devastated or have to move to a smaller home or drop a club membership or some other dramatic change. The loss has a dramatic change in their mindset and lifestyle.

Most affluent Americans are far more concerned with protecting what they accumulated rather than chasing a risky possible high rate of return. Are you prepared or comfortable with the possibility of another major market sell off?

If you would like to learn what the true risk exposure is in your current investment portfolio and find out how that correlates with your personal risk comfort level, call Van Houten & Associates, Inc. today for a no-obligation 3-Step Review at
(602) 279-0929.
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Estate Planning

Learn how America's Wealthiest Families pass their estates on to their heirs in the most tax and cost effective manner. Many times America’s wealthiest eliminate all or most of the taxes and costs to transfer their wealth. Sometimes, even increasing the size of their estates during the transfer.

Wills and trusts may only address specific issues and need to be reviewed and updated as your needs and situation change or as laws change that may impact your future plans. Many issues can still cause your money to fall through the cracks in places like tax returns, risk exposure, fees and charges, low rates of return, large future income tax problems from your qualified or non-qualified money, protection from long term care and lawsuits. Most of these are not addressed by having a living trust or a will. Ongoing income taxes and significant taxes to your heirs are key concerns today. Many people believe their wills and living trust or other estate planning addresses these issues and they find out too late they were wrong.

Call (602) 279-0929 or contact us today for a no-obligation 3-Step Review and learn how your heirs can receive their inheritance in the most tax and cost effective manner.
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Asset Protection Planning

Protect your assets from the threat of loss to lawsuits, business reversals, divorce, and government regulators with the same powerful, legal strategies used by America's Richest families.

Don't be a "Deep Pocket" target for a frivolous lawsuit or other problem that could have been avoided with a sound, legal, Asset Protection Plan. Don't try to incorrectly hide or conceal assets, when a properly constructed plan allows you to achieve your protection objective and still have control and use of your assets while being able to fully and truthfully disclose all your financial information.

Call (602) 279-0929 or contact us today for a no obligation 3-Step Review to see if an Asset Protection Plan is right for you.
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Charitable Planning

Trusts and direct gifts are only one way of helping your favorite charities. Many other alternatives are available. Some allow you to maintain control of your asset and still avoid future tax problems that might have occurred without the charitable planning. Charitable planning and analysis can be a very rewarding process for you and your favorite charity. Identifying potential current or future significant tax problems can help you, your heirs and your charities.

If you have significant qualified or non-qualified type assets like IRAs, SEPs, 401Ks or annuities, as well as capital gains in stocks or business interests you may be creating significant future tax problems for you and your heirs. Discovering these problems today gives you the time to plan properly and perhaps avoid them entirely and significantly enhance the future for yourself, your heirs or your favorite charity.

Call (602) 279-0929 or contact us for a no obligation 3-Step Review to learn more about the use of trusts and direct gifts, as well as, a variety of other methods that do not require you to release control of an asset to help your charities.
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Financial Planning

Financial planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. Remember, financial planning is a process, not a product.

Steps to create a sound Financial Plan
Step 1: Establish Goals
Step 2: Gather Data
Step 3: Analyze & Evaluate Your Financial Status
Step 4: Develop a Plan
Step 5: Implement the Plan
Step 6: Monitor the Plan & Make Necessary Adjustments

Benefits:

  • Set realistic financial and personal goals.
  • Assess your current financial health by examining your assets, liabilities, income, insurance, taxes, investments and estate plan.
  • Develop a realistic, comprehensive plan to meet your financial goals by addressing financial weaknesses and building on financial strengths.
  • Put your plan into action and monitor its progress.
  • Stay on track to meet changing goals, personal circumstances, stages of your life, products, markets and tax laws.

Call (602) 279-0929 or contact us for a no obligation 3-Step Review to learn more about the use of trusts and direct gifts, as well as, a variety of other methods that do not require you to release control of an asset to help your charities.
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Income Planning

Making sure your assets can generate the retirement income stream you need today and keep up with the rising cost of living that inflation pressures can exert requires specialized planning.

Which income streams do you have control over? Some like Social Security and pensions are automatic. Others like distributions from your retirement and investment accounts or annuities require specific decisions as to when and how much you should take out. Some of your accounts may allow you to take a guaranteed income stream that you can't outlive.

Helping you plan your income in the most tax efficient manner to meet your needs involves a well thought out plan to evaluate your special needs concerning risk of assets, liquidity needs for emergencies and feeling comfortable with the possible changes in your income needs from changes in the cost of where you live to changes in the cost of your health care.

Call (602) 279-0929 or contact us for a for a no-obligation 3-Step Review to see how Income Planning can help you with your future retirement income needs.
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Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company, and are not offered by Global Financial Private Capital.


Tax Planning

Recent tax law changes could be costing you plenty!

Do you know the most important questions you should ask your CPA before you complete another tax return or see another month go by that could be costing you extra tax dollars? You need these questions answered now, so you can take full advantage of the new rules while you still have time left in this tax year. Here's just a sampling of the areas to discuss with your accountant and financial representatives.


  • Not all dividends are taxed at the new lower rates. Do you know which assets qualify for the new rule?
  • How do the new lower capital gains rates affect you? Will you have phantom income that you need to offset by adjusting your investment portfolio now?
  • How to lower your Social Security taxation now!
  • Is your IRA or qualified plan being penalized and you aren't even aware of it? (One question will answer this for you.)
  • Why have America's Wealthiest Investors removed their children's names as beneficiaries on their annuity contracts. (Don't worry, the kids can actually get more.)
  • How to reduce your capital gains taxes and estate taxes
  • How to remove dollars out of your business while reducing your business income tax.
  • Stop unwanted required minimum distributions (RMD's) while increasing the value of your qualified plan and passing to your beneficiaries in both an income tax and estate tax efficient manner.
  • The most TAX and COST EFFECTIVE way to pass a business on to family members and/or the management teams, where the founder receives FAIR MARKET value for his stock and family members or management team receive funding needed to make this business purchase.

If you have not addressed these issues imagine what you may be missing out on. These questions need to be discussed now, as waiting until next year means you might be paying too much tax this year.

Timing is the key to using the new tax laws to your benefit. Don't wait until next spring to find out you "could have done" something to cut your taxes now or that a hidden tax nightmare could be brewing for your heirs.

Become proactive with your tax issues with our 3-Step Review.

Call (602) 279-0929 or contact us to schedule a for a no-obligation 3-Step Review. A simple review may allow you to dramatically reduce your quarterly tax payments or may uncover a windfall for you and your heirs.
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Business Planning

What if you could put the power of strategic thinking into your business planning?

Imagine having the forward looking guidance of a highly experienced financial planner to help you with important business decisions that could have a significant effect on your future success. Now you can! Tim Van Houten (click here for bio) brings you that experience and focuses his service where you need it the most.

Areas like:

  • Identifying undiscovered risks to your business
  • Evaluating your best retirement planning options
  • Formulating a business continuation plan
  • Addressing your specific business concerns

Call (602) 279-0929 or contact us for a no-obligation 3-Step Review and learn how to put Fortune 500 power into your business.
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Real Estate

If you've been thinking about selling your home, commercial property or farm this year, you'll need to know...

What to do first so you can be sure the decision is right for you!
Important steps should take place before you list your property. These steps will help you get your financial questions answered before you discuss your real estate questions. Selling property can be very stressful these days...especially if you want to move to a condo, senior living facility or an apartment... or if you are considering an alternative investment to your commercial property. Asking the right questions through a simple financial review process will help you get the right answers before you sell which can make all the difference.

Questions like:

  • How Will I Be Able To Afford My Next Lifestyle Choice? A simple formula will assure your decision is right!
  • How can I be sure I'll have enough money? Is it possible I could have even more money to live on if I make a move? 2 simple questions may dramatically improve your income stream.
  • Is your concern about risk in your other investments delaying you from listing your home? Learn how to identify hidden investment risk.
  • Is your concern about income tax issues delaying your decision to list your home for sale? A simple tax review will show you what questions to ask your accountant.

If you own Commercial Property...

  • Are there strategies to lower or eliminate my capital gains tax when I sell?
  • Are there investment alternatives that can offer me a similar rate of return as my rental property without high risk?

These questions, and others you may have, will help you get your financial house in order first.

Call (602) 279-0929 or contact us for a for a no-obligation 3-Step Review that can help you make one of the biggest decisions in your life with confidence and security! This consultation will help you TAKE CONTROL NOW and Sell on YOUR terms, without pressure from others.
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Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company, and are not offered by Global Financial Private Capital.