Services

    BFS Financial Inc.
             "Helping You Plan For Tomorrow...Today" Since 1988

INSURANCE PLANNING:   We help our clients’ transfer risk through individual life insurance, disability, health, and long-term care insurance. We do not
have ties to any particular insurance company. Instead, we search reputable insurance companies for a specific product, which coincides with the goals
and needs of the client. We offer the lowest prices on term life insurance via our use of one of the most advanced life insurance quoting systems in the
nation.   With the click of a mouse, we can view the lowest prices on term life insurance from more than 500 reputable life insurance companies !!
Whether you're considering purchasing a new life insurance policy or shopping to replace an old policy, give us a call for the lowest rates in the industry
from more than 500 life insurance companies !! You can save as much as 70% off !!

1031 PROPERTY EXCHANGES:   If you have capital gains or significant depreciation of the structures in your investment properties and desire to
continue investing in real estate, you should seriously consider a 1031 exchange. A potential solution could be 1031 TIC Exchange. We help real estate
investors exchange their properties through a vehicle know as the Internal Revenue Code Section 1031, or more simply a 1031 exchange.
A 1031 exchange allows taxpayers to exchange real or personal property for new “like-kind” property, while deferring recognition of any capital gains or
recapture of depreciation. We provide an array of services in effecting your 1031 transaction. The focus of our service, however, is on 1031 replacement
property solutions known as tenants in common or TIC properties. Through its team of TIC 1031 Brokers, BFS Incorporated represents most of the real
estate companies that structure TIC replacement properties. We provide our investors one of the largest selections of TIC replacement properties in the
nation. Our TIC 1031 Brokers will work with you, the investor, to compare and contrast numerous properties and thereby strive to identify the property that
best suits your unique investment objectives and section 1031 exchange requirements. Our real estate sponsors offer TIC replacement properties that
provide you with the opportunity to own an interest in institutional grade properties with some of the following traits:

Tax-Deferral on Capital Gains
Predictable Monthly Cash Flows
Reduced Management Concerns
Low Minimum Investments
Diversification through:
Apartment houses
Office Buildings (single and multi-tenant properties)
Industrial complexes and warehouses
Retail shopping malls (single and multi-tenant properties)
Shopping centers
Multi-family housing
Restaurants

It is the nature of this business that TIC Replacement Properties generally move very quickly. Let one of our TIC 1031 brokers help you realize the
power of a 1031 TIC Exchange.

TAX RECOVERY PROGRAMS: We specialize in recovering OVERPAID personal and business income taxes. Millions of dollars are OVERPAID by
businesses and individuals EVERY YEAR !! DON'T pay more than your fair share !! Our Tax Specialists review the past 3 years of tax returns and find
SUBSTANTIAL refunds 70% of the time !! And in all cases, if there's no tax recovery, then there's no fee !! Our fee is deducted from the tax recovery we
discover for you or your business. There are NO upfront fees for this valuable service. The process is simple & we do all the paperwork & submit the
amended tax return(s) for you on your behalf to the IRS. The average tax recovery for businesses is approx. $21,000 !! For personal income taxes, the
average tax recovery is approx. $3,500 for those with incomes up to $50,000. For those with incomes above $100,000 annually, tax recoveries are much
higher, averaging approx. $ 18,000 currently !! We've recovered thousands of dollars in overpaid taxes for such businesses as McDonald's, Taco Bell &
the Hospital of Louisville, Kentucky just to name a few.

EDUCATION PLANNING:   As tuition costs increase, it is extremely important for parents to begin saving for education as early as possible. There are
many available options: 529 savings plans, education IRAs and personal investments in tax-managed mutual funds. 529 savings plans offer tax-
deferred growth, flexibility for the owner to change “the beneficiary” and withdrawals at the beneficiary’s rate. Tax managed mutual funds allow the parent
the flexibility to change the purpose of the investment dollars (e.g. invest in a retirement fund should all of the money not be needed for college), as well
as limiting the annual tax bill through tax efficient fund managing.

ASSET ALLOCATION:   Asset allocation is the process of dividing money among several different assets and asset classes. The goal is to optimize the
risk/reward trade off. In addition to splitting money between equity and fixed investments, asset allocation goes deeper. We analyze equity holdings to
avoid overweighting in respect to market capitalization, sector, industry, country, etc. In analyzing fixed investments, we focus on credit ratings, bond
duration, years to maturity, etc.

RETIREMENT PLANS:   We believe that people cannot solely rely on others (social security, government and corporate pension plans) to provide
retirement income. People need to take the responsibility of saving for
retirement into their own hands. Non-qualified or qualified savings
plans have become a major portion of our business. We establish
and maintain plans for small-medium sized companies, as well as
individual clients. We are very familiar with individual plans such as
IRA’s (Roth and traditional), as well as self-employed plans such
as SEP’s, money purchase pension plans and profit sharing plans.
Also, we specialize in the employer sponsored plan market by
establishing 401(k) plans, Simple IRA’s, and 403(b) plans. In
establishing an employer sponsored retirement plan such as a
401(k), we meet face-to-face with each employee to advise on
appropriate choices within the plan.

Services