Apex NC Small Businesses Look to AABS INC for Financial Support and Guidance

adamr, freedigitalphotoSmall business owners in the Triangle area are lucky to have the financial services of AABS, Inc. at their fingertips. AABS provides accounting, payroll, and bookkeeping services to local senior-owned businesses. Because AABS is located in Apex, local businesses can get accurate and timely financial reports from this trusted financial services company.

Businesses in the Triangle need to manage their time and their books for efficiency and accuracy. By letting AABS manage your books, there will be more time for business owners to handle the day-to-day operations. And, AABS is a long-standing trusted source in the Triangle and Southwest wake County that can offer business solutions to accurate monthly and year-end reports.

A few reasons that AABS, Inc. is so successful are because of its experience, knowledge, and business finance. The professionals of AABS are highly trained and keep current on new laws and regulations regarding business accounting. If your small business needs to be successful, having AABS as a partner in success is a step in the right direction.

Small businesses are always the focus with AABS, Inc. because of five impressive certifications:

  • Certified Senior Advisor (CSA) works to benefit the needs of older adults in the community.
  • National Association of Enrolled Agents (NAEA) is an advocate of rights for tax payers.
  • American Association of Daily Money Managers (AADMM) providing financial and bookkeeping services to senior citizens in an accurate and ethical manner.
  • National Association of Tax Professionals (NATP) which is dedicated to professional and accurate tax preparation services to their clients.
  • QuickBooks ProAdvisor members are professionally trained in QuickBooks software for accounting, payroll, and bookkeeping services to their clients.

AABS also serves Baby Boomers and seniors in and around the local Apex area with guidance and advice. If your small business is in the Triangle area and needs a reputable professional to manage your accounting, payroll, and bookkeeping, then gives AABS a call. staff, our founder, will gladly discuss your business needs.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. It is brought to you by the professional team at AABS, INC., located in Apex, NC.

Call us at 919 303-3345 or email us at: info@aabsinc.com

Visit our website: www.aabsinc.com

Like us on Facebook

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AABS Inc.

PO Box 1677

Apex, NC 27502

Photo Credit:  adamr, freedigitalphotos.net


 

 

 

 

 

 

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AABS Helps Apex Baby Boomers Determine When to Take Social Security

stockimages, freedigitalphotos.net aabs 1 10-14As Triangle Baby Boomers approach retirement age, questions about Social Security benefits are common. What age is best to retire? How much money will come from Social Security? Is it advisable to keep working? These are all good questions and seniors need answers.

At All About Benefitting Seniors near Historic Downtown Apex, we will help answer these questions and any others concerning Social Security benefits and retirement. Together, the staff at AABS will examine the pluses and minuses of an early withdrawal, as well as the possible wait until age 66 for full benefits. Some individuals wait until age 70 for delayed benefits. There’s also different approaches that can be used with a spouse’s benefit that needs to be looked at as well.

AABS can also offer some simple suggestions on how to live within individual means during retirement while collecting from Social Security. More than 127.5 million Americans do not live within their means and struggle from paycheck to paycheck. This includes seniors receiving their monthly Social Security check. A rule of thumb is to spend less to live within your means while receiving Social Security. 

Here are five advice-driven suggestions:

  • Use comparison shopping by checking with local retailers for prices and sales on appliances and other big ticket items.
  • Coupons can save you many dollars each month at the grocery stores. Scan the local newspapers or the web for grocery coupons.
  • Create meal plans for the week and purchase only what is needed for each meal.
  • Shop once a week as the more times you shop, the more you’re likely to spend on impulsive items.
  • Save energy by turning off lights when not in use, unplug appliances that are not in use such as the toaster, and install energy efficient light bulbs in the house. 

Our office is convenient to many in Southwest Wake and local seniors are welcome to call during business hours. At AABS, we will evaluate options for Social Security benefits and answer any other financial questions that arise.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. It is brought to you by the professional team at AABS, INC., located in Apex, NC.

Call us at 919 303-3345 or email us at: info@aabsinc.com

Visit our website: www.aabsinc.com

Like us on Facebook

Find us on Twitter

Follow us on Google+

AABS Inc.

PO Box 1677

Apex, NC 27502

Photo Credit:    stockimages, freedigitalphotos.net

 

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AABS Helps Triangle Area Seniors to a Financially Secure Retirement

photostock elderlyEach year, more and more Baby Boomers in the Triangle Area are retiring. It becomes time to quit the 9 to 5 workforce and begin visiting friends and family more often, and taking a serious look at your “Bucket List”. You’ve made it to this new and exciting phase in your life. Now’s the time to call All About Benefitting Seniors (AABS) near Downtown Apex to take a look at your retirement needs.

A recent study by Northwestern Mutual found some staggering statistics among Americans about their preparation for retirement. If your retirement planning falls into any of these statistics, our Certified Senior Advisors will help build your retirement plan for a comfortable lifestyle.

  • 60% of Baby Boomers are not disciplined financial savers and could use improvement.
  • One in four adults lack the time for proper and professional personal financial planning.
  • 70% don’t use a financial planner.
  • 25% of the participants showed a lack of interest in financial planning
  • 26% of American adults don’t think they’re financially prepared to live to age 75.

Although these findings are pretty startling, they can be resolved. At AABS, we want local Baby Boomers to be happy and financially successful in this phase of their lives. We offer professional services to seniors such as personal financial planning, tax planning, accounting services, money management, and personal executor services. We’ll take a look at your Social Security Benefits, IRAs, 401k Plan, and your monthly expenses. We’ll guide you in the right direction for a healthy financial retirement. We want seniors to enjoy their right to this new lifestyle that they’ve worked so hard for.

In the meantime, if you’re not sure about your retirement plan, take this new Retirement IQ Test offered by Forbes. They also have retirement calculators to check and see your financial progress. But don’t forget to stop by and see us to get a personal one-on-one consultation. At All About Benefitting Seniors, we’ll help lead the way to a financially secure retirement.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. It is brought to you by the professional team at AABS, INC., located in Apex, NC.

Call us at 919 303-3345 or email us at: info@aabsinc.com

Visit our website: www.aabsinc.com

Like us on Facebook

Find us on Twitter

Follow us on Google+

AABS Inc.

PO Box 1677

Apex, NC 27502

Photo Credit:   photostock, freedigitalphotos.net

 


 

 

 

 

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4 Benefits in Having Wills and Trusts Up-to Date Here in the Triangle

photostock, freedigitalphotos,netIn a study recently completed by AARP, statistics showed that 36% of Americans age 50+ don’t have a will or trust. This isn’t surprising as end of life situations are something we just don’t like to talk about or plan. It is, however, something that we simply need to do and the professional, caring team at All About Benefitting Seniors understand this and is here to help.

Life can end at any age, at any moment, and for any reason. When it happens, there is no turning back. It’s not a pleasant thought, but it is reality. By creating a will or trust all of your personal and financial assets will be properly transferred to whomever is designated in the document. On the other hand, if there is no will or trust, North Carolina decides who gets what and that may cause emotional and financial stress for an entire family.

The benefits of creating a will or trust are many. While we are alive and able to manage our affairs, we need to decide who will take control after we are gone.

Through an attorney here in Apex or the Triangle, you will gain the following four benefits:

  • Peace of mind: Worrying about the important details of your life will be covered and you’ll have peace of mind.
  • Avoid legal hassles: A will or trust is a legal document and avoids probation and other court challenges.
  • Take care of legal guardianship: If you’re a legal guardian, you can name someone else to care for your children after you’ve passed.
  • Take care of pets: Naming someone to take care of your pets should also be included in this legal document and will ease your mind.

Please call our office to get things started. AABS is located near downtown Apex. Let us guide you to the right sources. It’ll be one less thing to worry about.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. With legal matters always consult a lawyer.

This post is brought to you by the professional team at AABS, INC., located in Apex, NC.
 

Call us at 919 303-3345 or email us at: info@aabsinc.com 

Visit our website: www.aabsinc.com 

Like us on Facebook

Find us on Twitter

Follow us on Google+ 

AABS Inc.

PO Box 1677

Apex, NC 27502 

Photo Credit: photostock, freedigitalphotos.net

 

 

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Sound Financial Advice for Baby Boomers Starting Small Businesses in the Triangle NC

Aug 1 pic aabs Danilo Rizzuti, freedigitalphoto.netToday’s economy here in North Carolina and the Triangle still has seniors and baby boomers pinching pennies, and if ownership of a small business is involved, pinching pennies is even tougher. All About Benefitting Seniors owner, staff, EA, CSA, wrote an excellent article in 2010 about how to save money in business. It still rings true today.  staff continues her mission every day to give sound financial advice to seniors in this part of the Triangle and Southwest Wake County. 

Many new and small businesses think that they have to spend large sums of money in order to make money. We’ve all heard that saying. But, as a rule of thumb, AABS advises senior clients not to finance anything over 25% of the total cost. Stay in the black with your expenditures and plan. 

Five other financially sound tips from staff and AABS include: 

  • Always use contracts:  Clearly state specifics on products, services, and fees. If professionalism is the goal for continuous success, then ownership needs to be taken seriously.
  • Is insurance necessary?   Working at home can be possibly covered by a homeowner’s policy. Check with your insurance agent. Remember that operating outside the home usually needs some sort of  business-related insurance.
  • Pay the appropriate taxes:  Depending on how the business is set up legally, taxes might be paid quarterly or with personal income taxes. Check with your CPA or call us.
  • Get paid:  Set up rules to collect 10%, 15%, or 25% of your fee upfront and clearly state those terms in a contract.
  • Determine the right legal structure:  Consider the legal entities for a small business and register with the appropriate state and federal agencies. 

As mentioned in a recent Forbes article, by having a smooth and well-planned start-up, the chances of succeeding are higher than most new small businesses. With proper planning and guidance, your business will be able to stay in the black and expand when the time comes. 

staff and the knowledgeable and professionally trained staff at All About Benefitting Seniors can help any senior and boomer with business questions. If the new business needs help setting up contracts or determining tax or insurance needs, stop by the AABS office located near Historic Downtown Apex. Being a successful business owner starts with sound financial advice. We are here for you. Please call us for an appointment today. 

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. With legal matters always consult a lawyer.

This post is brought to you by the professional team at AABS, INC., located in Apex, NC.
 

Call us at 919 303-3345 or email us at: info@aabsinc.com 

Visit our website: www.aabsinc.com 

Like us on Facebook

Find us on Twitter

Follow us on Google+ 

AABS Inc.

PO Box 1677

Apex, NC 27502 

Photo Credit: Danilo Rizzuti, freedigitalphotos.net

 

 

 

 

 

 

 

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5 Areas of Support that AABS Offers Caregivers in the Triangle

Toa55, freedigitalphoto.netAt any point in our lives, we can become caregivers to a family member in need. Caring for a loved one is often difficult and demanding. Sometimes as a caregiver, it is tough to figure out where to turn for help. AtAll About Benefitting Seniors, we assist worried family members and caregivers by analyzing each case and providing referrals and recommendations to local Apex area services and agencies.

Challenges can strike at any age and when they happens, AABS is there to help sort out all the pieces and assist caregivers with the help they need. Our caring and experienced team of senior advisors will help get things back in order. All questions will be answered to ease the mind and reduce the stress.

AABS offers support in the following five areas:

  • Level of Care: We’ll refer the appropriate in-home care agency, hospice support, or assisted living facility to get the proper level of care for the family member.
  • Determine Financial Status: Our team will review financial status and make affordable recommendations in medical and long-term care services.
  • Evaluation of Assets: We will prepare an inventory of personal assets and investments of your loved one.
  • Money Management: Bills need to be paid and we can set up an account to do this.
  • Review Documents: We will review legal, personal, and financial documents and summarize each one.

At AABS, we provide all of the above services and more to help relieve stress and make sure your loved one is properly cared for. We recognize that caregiving is a difficult time for everyone involved and can be very overwhelming. If you are in this situation, please stop by our office in downtown Apex and let us help you and your family. We can give a much needed assessment to prioritize care for your loved one.

Please call us today for an appointment.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. It is brought to you by the professional team at AABS, INC., located in Apex, NC.

Call us at 919 303-3345 or email us at: info@aabsinc.com

Visit our website: www.aabsinc.com

Like us on Facebook

Find us on Twitter

Follow us on Google+

AABS Inc.

PO Box 1677

Apex, NC 27502

Photo Credit: Toa55, freedigitalphoto.net

 

 

 


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5 Basic Financial Strategies for Seniors

AABS 7-7 Vichaya Kiatying-Angsulee, FreeDigitalPhoto.netAre you a Baby Boomer that would like to learn more smart money habits to stay financially secure? Staying sound financially these days is getting tougher for seniors in North Carolina as well as across the nation. The friendly and dedicated team at All About Benefitting Seniors can teach Apex area residents age 50 and over smart money habits to stay financially secure.

The National Council on Aging reports that over 23 million Americans over age 60, are financially and economically insecure. With mounting debt, poor credit, and often lack of savings, unfortunate seniors are scrambling to make ends meet each month. This sad statistic is something that we at AABS help our local seniors with daily by teaching them financial tools to stay debt free.

At All about Benefitting Seniors, weare committed to keeping local Apex and Triangle Area seniors in good financial health. We use proven financial tools and resources to keep your finances on track, and we teach Baby Boomers how to protect themselves against scams, identity theft, and fraud.

Our experienced team of Certified Senior Advisors will help each senior gain a better understanding of financial terminology and the different types of tools needed to take control of their financial future.

Seniors need to follow these five basic financial strategies offered by AABS:

  • Goal Setting and Budgeting: A basic understanding of setting financial goals and financially working towards them.
  • Taking Charge of Credit and Debt:Looking at ways to keep your credit card and debt down.
  • Developing a Savings Plan: Determining how you can save your money for future use.
  • Protecting Assets:Managing your assets to protect them.
  • Staying on Track:Tools and follow-up visits to financially stay on track.

Come join us at our local Apex NC office near Downtown to learn smart money habits. Any local Apex senior is welcome to stop by our offices and talk with one of our friendly Certified Senior Advisors. We will guide you in the right direction financially and assist you thereafter.

Give us a call today! Your finances are just too important.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. It is brought to you by the professional team at AABS, INC., located in Apex, NC.

Call us at 919 303-3345 or email us at: info@aabsinc.com

Visit our website: www.aabsinc.com

Like us on Facebook

Find us on Twitter

Follow us on Google+

AABS Inc.

PO Box 1677

Apex, NC 27502

Photo Credit: Vichaya Kiatying-Angsulee, FreeDigitalPhoto.net

 

 

 

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3 Steps in Building Investments for Triangle Seniors

old peeps Simon Howden,freedigitalphotoEventually every Baby Boomer in North Carolina will age gracefully into their 80’s and 90’s. Creating an investment strategy early for financial goals is always good policy. It is not as difficult as most people would think, and our professional team at All About Benefitting Seniors can help Baby Boomers create an effective investment plan by using three simple steps.

We have a team of Certified Senior Advisors (CSA) who work with local Apex and Triangle seniors to help them manage their finances. These CSA’s are knowledgeable and experienced when it comes to building investment plans. It does not matter what the goals might be, our CSAs will carefully look at trends in the market, the different types of investments, risk tolerance, affordability, and more.

AABS offers as a general rule, three simple steps in creating an investment plan:

  • Build the plan:  First and foremost, define goals and then work towards them. An investment plan can be one goal or several goals. Common goals are retirement, general investing, college education, or money to start a new business.
  • Choose portfolio Investments:  Consider risk tolerance when choosing stocks or funds. Look at different money markets, stocks, bonds, high risk, and low risk investments for each goal. Follow several funds daily or weekly to see how they are doing on Morningstar.
  • Manage and review the portfolio:  Be sure to regularly review your investments. It is important to stay on track by looking at your overall investment plan regularly.

Of course, Baby Boomers will need to ask themselves some important questions regularly to manage their portfolios. Has a life event changed the financial situation? Has the economy changed?  How much money is needed for each goal? We can help with answers that will support the building of the financial portfolio.

Creating an investment portfolio is an important decision and at AABS, we want to help seniors achieve their goals. We have the financial tools and resources for senior investment plans. Stop by our office in historic Apex and let us help build your investment portfolio.

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This is an information only post and is not considered to be legal financial advice but is meant to be helpful to all those who read it. It is brought to you by the professional team at AABS, INC., located in Apex, NC.

Call us at 919 303-3345 or email us at: info@aabsinc.com

Visit our website: www.aabsinc.com

Like us on Facebook

Find us on Twitter

Follow us on Google+

AABS Inc.

PO Box 1677

Apex, NC 27502

Photo Credit:  Simon Howden, freedigitalphoto.net

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