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Variable Annuities

Variable annuities are complicated investment products that have created much confusion and controversy in the investment world. It is our opinion that variable annuities can be oversold by financial professionals and at times they may not make sense for an investor. Investors must understand the fees they are paying, what benefits they may receive for [...]

Retirement Planning

While retirement planning consists of more than opening an account, 401Ks and IRAs are often central elements in the plan. Because of this, we want to help investors understand the difference between an IRA and an Investment. An IRA is NOT an investment. It is a vehicle by which an investor can place his or [...]

College Planning

In recent years, the cost of college has been increasing dramatically. For some, paying for college is harder than ever. However, saving for college could be easier than ever with multiple college plans and children’s savings plans available. An investment in education is an investment for the future—your child’s, your grandchild’s or even your [...]

Fee-Based Wealth Management

Through our wealth management services, Butler Financial Advisors is able to provide clients a wide range of investment options as well as payment options. Most commonly, investors can pay fees as a percentage of the assets being managed or as a percentage of the investment being made. A typical fee-based financial advisor will charge you [...]

Third-Party Money Managers

When a client invests under a fee-based model, where a recurring fee is charged as a percentage of assets being managed, we offer the option of employing the services of third-party money managers. These managers develop targeted strategies for trading the assets in client accounts based on a number of factors which might include long- and [...]

REIT Management

What is a Real Estate Investment Trust (REIT)? A REIT is a company that raises money through its stockholders in an effort to acquire, and in many cases operate, income producing commercial real estate. Some REITs also engage in financing real estate. In order for a company to qualify as a REIT, it must [...]

Coverdell Education Savings Account (ESA)

Formerly known as the Education IRA, in 2002, it was re-named the Coverdell Education Savings Account and has become a common college savings vehicle for many people, including families that wish to save for elementary and secondary school expenses as certain K-12 expenses were added to the list of qualified expenses. In fact, some [...]

Custodial Accounts UTMA/UGMA

Custodial UTMA/UGMA accounts are designed to provide more flexibility by allowing proceeds to be used for education expenses as well as other non-educational expenses as long as the money is used for the benefit of the child/minor.  Proceeds can be invested in any type of investment, including stocks, bonds, mutual funds, real estate, etc., as long as it [...]

529 Plans

A 529 Plan is an education savings plan operated by a state or educational institution designed to help families set aside funds for future college costs. It is named after Section 529 of the Internal Revenue Code which created these types of savings plans in 1996.  529 Plans can be used to meet costs [...]

401(k) Rollovers

Butler Financial facilitates rolling over an old retirement savings plan from a former employee. When an employee changes companies, retires, or is laid off, it is often times recommended that the employee roll the money out of their 401k plan and into a Rollover IRA. By rolling the proceeds into an IRA, the employee is [...]