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Slide How We Help You Establish Your Goals What do you want your future to look like. When you clearly define how you want to live your life—and your retirement—you can begin to craft a plan to get you there. Educate Yourself We believe you are in the best position to make choices for your financial future. That’s why we educate you on your options, using the experience we’ve gained by helping many clients establish rewarding financial plans. Customizing Your Plan Your goals and opportunities are unique. By reviewing the entire financial planning and insurance landscape, we match solutions to your specific needs and build a powerful foundation that will carry you through your lifetime.

About Us

Strategic Financial Planning

Our team of CERTIFIED FINANCIAL PLANNER™ professionals can help you address retirement income, tax-efficient distribution strategies, risk management, investing, conservation, and wealth transfer strategies.

As a CFP® and independent investment advisor, we are required to fulfill and maintain a fiduciary duty with our clients. This means we put our clients’ benefits first acting in your best interest and provide full disclosure of all material facts, exposing any potential conflicts of interest.

Let us help clarify and prioritize your financial goals and objectives with a written plan that ties together your spending and savings, taxes and inflation. One that also adjusts so you are prepared for unexpected expenditures and financial emergencies as they arise.

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Colin Hughes, CFP®

Colin Hughes is a Certified Financial Planner™ (CFP®) and Financial Advisor at Strategic Financial Planning. Colin specializes in working with individuals, families and business owners. As a longtime resident of Flagstaff, he attended Northern Arizona University, where he graduated with a Bachelor’s degree in Finance. In addition to being a Licensed Insurance Agent, he carries a Series 65 license allowing him to serve as an Investment Advisor Representative.

Colin has spent his investment career working for boutique firms. He began his career in 2008 working side-by-side with a Senior Advisor. From there he played a dual role as an Advisor and Portfolio Manager with over $50 million under management. After three years, he began to focus solely on financial planning with an emphasis on retirement planning.

In his spare time, Colin coaches hockey at Northern Arizona University. Other activities he enjoys are snowboarding, golfing and vacationing at Lake Powell.

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Matthew T. McMahon, CFP®

A Certified Financial Planner™ (CFP®) professional for Strategic Financial Planning, Matt specializes in creating personalized retirement income plans and Social Security planning. He enjoys working with clients to help them achieve their financial goals.
Matt started his career in the financial planning industry in 2007. He has successfully designed retirement income plans that incorporate all retirement assets including Social Security and pensions for a wide variety of clients. Matt also is experienced with advanced wealth transfer techniques.

Matt is a graduate of Northern Arizona University with a Bachelor’s degree in Business Management. He received his formal financial planning training through Xavier University where he earned an Executive Certificate in Financial Planning. He is a registered CFP® and holds Series 65, Life, Accident and Health Insurance licenses in Arizona.

In his spare time, he enjoys spending time with family and friends, traveling and being outdoors.

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Franky Lynch, Financial Advisor

After successfully obtaining a BS Degree in Exercise Science from Northern Arizona University, the world of finance beckoned to Franky Lynch, and he soon yielded to his true calling. He wasn’t just hearing things.

He joined the banking industry and proved himself a powerhouse asset who quickly grew the financial institution’s individual and business client base. His passion to better serve families and businesses attain financial freedom emboldened him to pursue and acquire the proper licensing and knowledge to become an Investment Advisor Representative (IAR). Not only did he clinch the Series 65 license, but he is also a licensed Insurance Agent.

His presence in the firm as an IAR changes the face of investing – pairing a people-first philosophy with expert advice and custom investment products. Franky likes working with conscientious individuals and families who value advice and have set relevant goals. To them, he offers himself as a reliable resource, getting to their personal situation by heart and knowing their circumstances through and through. His down-to-earth approach takes the mystery out of investing, communicating with clients as they prefer. Franky is also your active money manager, diligently monitoring your portfolio in order to adapt investments as market conditions change. With his hands-on approach and constant monitoring for performance, he brings his stamp of intelligent personal attention to your investments and diligence to your accounts.

When he’s not forging his unique path as a Financial Advisor, his love for the great outdoors takes him skiing the slopes of Arizona Snowball, golfing or traveling to Lake Powell while enjoying Flagstaff, Arizona, which has been home to Franky for some time now.

Services

FINANCIAL PLANNING

Every day we face challenges managing our finances. Stock market swings, fluctuating interest rates, taxes, debt and inflation – the effects can be unsettling. In times like this, creating a solid financial plan can be a critical step in ensuring future financial security.

One thing is certain; the future will come, regardless of whether we are ready or not.

We can help you achieve your financial goals and will give you the guidance to:

  • Save for retirement.
  • Generate retirement income.
  • Determine proper insurance coverage.
  • Help you develop strategies to manage your financial future.

Offer personalized programs to help you achieve your unique goals.
As a client, we will develop a results-focused plan to ensure that your unique objectives will be given the best opportunity for success.

RETIREMENT PLANNING

Baby boomers are redefining age and retirement. Realizing the retirement of your dreams starts with your own personalized definition.

Take some time to imagine what your retirement lifestyle would be like, and then consider these questions:

  • Where will you live?
  • What will you do?
  • What activities will you participate in?
  • Will you have enough income to maintain or elevate your current lifestyle?
  • What can you do now to better position yourself for a successful retirement?

The earlier and more carefully you plan, the more likely you are to realize your vision of the future and enjoy yourself when retirement actually comes. Strategic Financial Planning can guide you step-by-step through the retirement planning process and help you create a plan that meets your unique goals and objectives.

LIFETIME INCOME

Protecting your hard-earned assets in perhaps the most volatile era in generations can be easier than you think. And there may not be a more important time than now to safeguard all that you’ve worked so hard to achieve.

Integrating fixed-index annuities into your portfolio can protect you from market loss during a downturn while giving you the opportunity to realize market gains during the good times.

Choosing the right fixed-index annuity can provide the best of both worlds – security and results. We have an in-depth portfolio of the most competitive, guaranteed and safe annuity products available to the general public today.

Annuities, like everything else, are continuously evolving. The features and benefits of a fixed-index annuity today compared to even a few years ago are as different as the comparison between an apple and an orange. One of the biggest innovations of modern indexed annuities is the ability to custom design and deliver an annuity that perfectly matches the individual needs of the client.

LONG-TERM CARE

According to the Federal Government, over 60% of senior citizens will experience the need for long-term healthcare at some point in their lives.

Unfortunately, the vast majority of seniors have no protection from this very legitimate threat. Some cannot qualify due to poor health, some assume the government will take care of them, some cannot afford the premiums and others are simply in denial of the potential disaster of a long-term care situation.

For those without long-term care coverage, there is good news. Over the last few years, there have been some highly innovative solutions developed that can help individuals protect themselves at very affordable costs. At the very least, we strongly encourage you to explore your coverage options.

IRA SOLUTIONS

A traditional Individual Retirement Account (IRA) is a personal tax-deferred retirement plan established for those who receive compensation or earned income from employment, those who are divorced or separated and receive taxable alimony or maintenance payments and have not reached the age of 73. IRAs were created to provide individuals with the opportunity to build their own tax-deferred retirement savings program.

One of the downsides of IRAs is that every year, millions of Americans are forced to take a Required Minimum Distribution (RMD) from their IRAs and qualified plans starting at age 73. This RMD, drastically decreases the amount that will be left for their beneficiaries after they’re gone.

We have a broad portfolio of IRA/RMD solutions that can give you the freedom to withdraw your RMD each year and still be guaranteed to leave at least 100% of the original premium as a death benefit through the age of 88, regardless of market conditions.

We work closely with our clients to help them make the best decisions possible about income & retirement planning regardless of current economic conditions. We are passionate advocates for our clients and believe deeply that they should retain, grow and transfer all that they have worked so hard for. Contact us today and let us craft an individualized retirement income plan that is as unique as you are.

WEALTH TRANSFER

There are few things more important to successfully transferring wealth than solid financial planning. The failure to plan a tax-efficient wealth transfer can greatly diminish the amount of wealth that ultimately reaches the next generation. With so much focus on building an effective retirement plan, creating an equally effective plan for transferring hard-earned assets can unfortunately be an afterthought.

Some key points to consider when planning a tax-efficient wealth transfer include being proactive, involve family members in the process, find an experienced and trusted advisor, explore the various options and develop a charitable giving plan.

With sufficient time and planning, you, your family and your advisors can design a wealth transfer plan that is both tax-efficient and fair to all. Proper planning for wealth transfer is an area of specialization for Strategic Financial Planning and we welcome the opportunity to help you craft a plan that you and your family can be proud of.

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Advisory Services offered through Sowell Management Services, a registered investment advisor

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Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.