Frequently Asked Questions

There is absolutely no charge or obligation. It is 100% free and our pleasure to provide.

The FREE Retirement & Tax SWOT analysis as our way of giving back to the community. We are on a mission to help 1 Million People retire with financial security, these reviews are one of the many ways we accomplish this goal. However, we only have a few spots available each month.

Yes.

Yields for You we act solely as fiduciaries. That means we ALWAYS act and give advice that’s in YOUR best interest.

In legalese, we are  FEE ONLY fiduciaries, this means that we do not sell insurance or investment products that pay a commission.

No, everyone's retirement needs are different.

As a full service, independent financial planning and investment management firm, we are free to create the plan that is best for you and your loved ones.

Helping you achieve financial security and peace of mind in retirement is our only priority.

Yields for You is our passion project. It is something that we do to give back to the community. Our primary goal is to help as many people as possible. We are able to do this because we all have full time jobs that pay us really well.

To help pay our expenses, we sell books, online courses, and take on 1 or 2 paying clients each month, based on our availability.

The Retirement & Tax SWOT Analysis is 100% Free and our pleasure. The only time we would charge money is for help implementing the plan. You can learn more about our simple and transparent fees here.

As the founder and primary advisor for Yields for You, Leibel Sternbach is an:

• Enrolled Agent with the IRS
• National Social Security Advisor
• Accredited Portfolio Management Advisor
• Chartered Financial Consultant
• Amazon Best Selling Author
• Frequently Quoted in the Media
• Chief Technology Officer
  for a Major FinTech Firm Supporting Over 3 Billion in Assets
• Fee-Only Financial Advisor
  (we don't sell insurance or accept commissions.)
• Fiduciary

Our team includes countless other financial professionals, many with their own litany of credentials who help us make Yields for You a reality. See The About The Yields for You Team page for details

Yields for You is a full service wealth management firm. Here are some of the services we provide our clients:

- Ongoing portfolio management

- Regular check-ins with clients to review progress and adjust accordingly

- Tax Forward planning

- Tax Minimization (including Roth Conversions)

- Retirement planning

- Social Security

- Risk Management

- Rollovers

- Trusts and Trust Management

- Insurance Advice

- Estate planning support

- Financial Consulting

- And so much more...

Yes. Leibel Sternbach is an Enrolled Agent with the IRS and a Tax Professional. We firmly believe that unnecessary taxation and market losses are the two greatest threats to today's retirees.

An Accredited Portfolio Management Advisor or APMA designee is an expert in portfolio construction and management.

Accredited Portfolio Management Advisors (APMA) are trained in advanced portfolio analytics and risk management including:

• Portfolio Risk and Return Analysis
• Investments,
• Taxation,
• and Retirement Cash Flow Strategies
• Equities, Debt, Fixed Income, and Mutual Fund Valuation and Analysis.
• Derivatives, Structured Products, and Real Estate Investments

As an Accredited Portfolio Management Advisor and Investment Advisor Representative, Leibel Sternbach is a financial professional who is held to a fiduciary standard of care.

A fiduciary is a financial professional who is required to put your interests first.

In addition to being an Accredited Portfolio Management Advisor, Leibel is an Enrolled Agent with the IRS, a National Social Security Association Advisor certificate holder, and a Chartered Financial Consultant, which is like a more educated CFP.

Additionally, Leibel has passed his Series 65 and is a Life & Annuity Licenses holder (inactive.)

Leibel has gone through the Ed Slott Elite IRA Advisor program, and Leibel's advice has been featured in Forbes, The Wall Street Journal, Reader's Digest, USA Today, InvestmentNews, MarketWatch, LegalZoom, CNN Business, FOX, CBS, NBC, and Yahoo! Finance websites.

Leibel is also the author of multiple Amazon best-selling books on financial planning and business.

91% of the people who meet with us already have a financial advisor.   

Many times, that advisor is not a tax or retirement specialist, and more often than not, that person works for a particular company rather than for the client. Therefore, he or she may be limited in the products and strategies that he or she can offer. 

As part of our FREE Retirement & Tax SWOT Analysis, you will get an action plan that will list out what we think you should do and in which order.

During our first call (over zoom) is a 15-minute meet and greet.

We will answer any questions you may have, from the class, about us, or the process.

This call is designed to give you the information you need so you can decide if the Retirement & Tax SWOT analysis is right for you.

If you have any pressing financial questions, we will try to address them on the call.

By the end of our conversation, you'll have an opportunity to continue the process or part as friends.