www.acfs.com

Since 1970

APEX CONSOLIDATED FINANCIAL SERVICES

4350 E. Danbury Road, Phoenix, AZ 85032

Phone: 602-374-5545 FAX: 602-368-6474

William M. Landenberger, MBA, MFP

My name is Bill Landenberger. I have been in the financial planning business for 41 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 solutions to help achieve a sensible reasonable rate of return on your investments, while paying attention to the tax relief to which you are entitled.

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

My objective is: 'Financial Planning That Works' !

My web site is not intended to be a definitive source for financial information. I do not believe that comprehensive financial planning 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 solution to their issues. It is not possible to cultivate this kind of a relationship in a few minutes or by crunching a bunch of numbers in a mindless software program that spews out a bunch of boilerplate.

That said, I do believe I know what it takes to gain your trust and confidence and how to maintain long-lasting client relationships. A lot of my clients have been around for 30 years or more. If you are local, give me call and arrange an appointment to discuss your needs. Most people have felt, "that this is the best time that they have spent this year considering anything to improve their family's financial security" 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 more popular solutions to particular issues affecting many of my customers. One of the most popular issues has be3come 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. I use the Mortgage Savings Plan to save 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. This is a defenite alternative to refinancing your mortgage. I did not bother to re-do the slides for current rates. If you wait long enough, the rates will rise again. It's the principal of this plan that is most important to helping you succeed. If you are upside down in your home mortgage, you need counseling to help you solve this matter, so call.

Another topic that affects almost everyone today, is tax preparation. In the last 41 years I have learned one thing for sure !!! "If you have the slightest doubt that you are not getting the best advise or income tax preparation results from your current tax firm, you are probably right !!!" If you are interested in income tax preparation, or have a problem with the IRS, and need help, pick up your phone and give me a call. I prepare all Federal and State returns, on all forms and in all states. My rates are reasonable and I like to think that I have 41 years of experience in this field, not "1" years worth of experience 41 times. Follow the links above to tax preparation for more information. I think of my tax practice as an extension of my financial planning practice. I have been fortunate enough to help thousands of people over the years.

Let me invite you to follow all of the links to 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 that affect many people. That you'll like what I have to say and call me when you have a financial planning issue.

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"

� ACFS 1984 / 2012