Why Applied Financial Concepts?
Wayne D. Minich started working in the financial services industry in 1971 when he was 24 years old. He spent a decade representing an insurance company while continuing his education in finance. While selling insurance, he realized that the interests of the insurance company were sometimes misaligned with the interests of his clients. Wayne wanted to represent his clients by taking a holistic view of their financial picture—working for them instead of the financial institutions.
Thus, Applied Financial Concepts, Inc. was born in 1982.
Since then, Applied Financial Concepts has been offering objective advice to you by taking the time to understand your situation and how different financial products and methods could best promote the unique goals of each individual or business that we work with. One of the driving philosophies behind our firm is the idea that “We start together and We finish together” which is a belief that good planning is done best through long-term relationships with clients. With each new change that you experience in life, we are there to help you navigate and understand how your financial planning is affected. Even after you leave this earth, the planning work that you do with us will have an effect on the ones you leave behind.
How we can benefit you
Improve Your Lifestyle
We explore income enhancement and expense reduction strategies which may improve your lifestyle and create discretionary income.
We help identify ways to minimize taxes which may free up cash for spending and investments.
We help organize your financial information which may help reduce uncertainty and stress.
Protect What Matters
We design risk management strategies to help you protect the people and things that matter to you.
We work with you and your advisory team to review your estate plan and recommend how you may want to direct the transfer of wealth on your terms.
We develop, plan, implement and review recommendations to help you stay focused on reaching your goals.
Optimize Your Wealth
We professionally manage customized investment programs to help you optimize your wealth based on your risk tolerance.
Prioritize Your Goals
We help to define and prioritize your financial goals to articulate your expectations.
We help you manage the value of your business interests as well as recommend strategies to help recruit, retain and reward your employees and key executives.