Why People Use Us

Why People Do Business With
Sam Morales & Associates, Inc.


How is Sam Morales Different? 

He is an independent retirement expert  helping seniors and retirees implement practical solutions to their financial concerns. All fees are fully disclosed in advance and we act at your direction.

What About Your Protection?

Unless you choose to work with us on an hourly basis, (we charge $500.00 per hour for advice) you never make a check payable to us. Through our relationship with Securities America, Inc., all trading accounts are held at National Financial Services, Inc., a wholly owned subsidiary of Fidelity Investments or accounts can be held directly at the investment company or sponsor. We  never take custody of your funds and your funds are never co-mingled with ours.

What Can Sam Do That Other Financial Planners Do Not?

He specializes in dealing with senior investors, those retired and those about to retire. We do not pretend to know everything. We have however helped  seniors navigate the financial risks and opportunities of retirement for two decades. Many people think that a living trust removes estate taxes. This is not true. Many people do not realize that there are two assets that are often subject to estate and income taxes; we show our clients how to avoid that. Most people think that the transfer of real estate is a taxable event and we know of several ways the tax can be avoided. We focus on areas overlooked by most stockbrokers and accountants who simply are only aware of the basic methods of saving taxes and investing. We often use methods that are less commonly known (yet well documented) which may provide substantial benefits to our clients in retirement.

Sam Morales,  the firm president is a Chartered Retirement Planning Counselor (CRPC), Registered Financial Consultant (RFC) and a Certified Fund Specialist (CFS). Sam is a graduate of the College for Financial Plannings Certified Financial Planner™ Professional Education Program and also maintains at least forty hours of continuing education yearly. You will find very few individuals in this profession who can match his commitment to professional education. Seniors looking for a better way to invest and find better solutions to help preserve their principal are those that use the services of Sam Morales & Associates, Inc.

Securities America and its representatives do not provide tax or legal advice. Tax law is subject to frequent change; therefore it is important to coordinate with your tax advisor for the latest IRS rulings and specific tax advice, prior to undertaking an investment plan.