www.acfs.com

Since 1970

APEX CONSOLIDATED FINANCIAL SERVICES

4616 E. Pershing Avenue, Phoenix AZ 85032

164 Jackson Street, Holden, MA 01520

Toll Free: Phone: 888-533-APEX FAX: 866-482-4197

Email investments: wlandenberger@investorscapital.com

William M. Landenberger, MBA, CFP

My name is Bill Landenberger. I have been in the financial services business for 38 years. We all know that the financial marketplace has become more and more complex. It is this complexity that has caused confusion in the minds of many people as they try to determine the best way to accomplish their objectives.

My services are designed to help make sense of this confusion and to strike a proper balance in the positioning of your assets and offer programs to help achieve a sensible reasonable rate of return and also the tax relief to which you are entitled.

Over the years, I have learned what works and what does not. My focus with my clients, is on ideas, techniques, products and services that help get results ....

My objective is: 'Financial Planning That Works' !

My web site is not intended as a definitive source for financial information, because I do not believe that comprehensive financial consulting is possible over the web. Call me old fashioned but I need to spend a number of hours with a new client, face to face, to come up with a comprehensive individualized financial plan. It is not possible to cultivate this kind of a relationship in a few minutes or by crunching a bunch of numbers in a boilerplate software program. That said, I do believe I know what it takes to gain your trust and confidence and how to maintain long-lasting client relationships. If you are local, give me call and arrange an appointment to discuss your needs. Most people feel, "that it is the best time that they have spent this year considering anything in financial planning for their family." If you are not local and have been referred by a client, give me a call. I can plan to visit with you the next time I'm in your area.

The web does make it possible, to share interesting ideas. On my web site, I will attempt to illustrate some of the most popular solutions to particular issues affecting many of my customers. One of the most popular issues is debt service. The largest single debt issue that most people have is their home mortgage. Contrary to what younger customers thought 25 years ago, a fully paid off house is a prudent financial goal for your retirement. The Mortgage Savings Plan is the answer to saving thousands of dollars in interest on your home mortgage. A 40- year low in mortgage interest rates has caused savings conscious individuals to look for ways to save money. You are welcome to take a look at the slide presentation by selecting the Mortgage Savings Plan menu at the top or bottom of this page.

Another topic that affects almost everyone today, is tax preparation. In the 38 years that I have been in this business, I have learned this !!! If you have the slightest doubt that you are not getting all of the tax benefits you should be getting from your current tax firm, you are probably right !!! If you are interested in tax preparation, or have a problem with the IRS, and need help, pick up your phone and give me a call. I like to think of my tax practice as an extension of my financial planning practice, and I've helped thousands of people over the years. I prepare all states and all forms. My rates are reasonable and I have learned a lot over the years. Follow the links to tax preparation for more information.

Let me invite you to follow the links to the information that you want on my site. I would welcome any questions or feedback that you care to offer about my web site. Don't hesitate to drop me an email.

This site is continually changing so book mark what you like and come back as often as you like. It's easy to tell that this site is not a big fancy production. What it is hopefully, is some straight talk about simple issues.

There are articles of interest, in most areas of my web site. Most are of general interest. I don't plan on reinventing the wheel. I hope you find value in the time that you spend reading them. Don't forget to make suggestions.

Thank you in advance for your time and consideration, and your decision to strengthen your commitment to serious wealth building, and to perfect your overall financial strategy !!

"COMPANIES THAT I LIKE"

Investments Provided Only Through

Investors Capital Corporation, FINRA,
230 Broadway, Lynnfield, MA 01940-2320

Phone: 800-949-1422 Fax: 781-593-9464

� ACFS 1999 / 2008