Enjoy More of your time
Since we opened our doors in 2005, we’ve worked with thousands of families to create retirement plans designed to help deliver the relentless joy and confidence they deserve. And at the heart of each strategy? Our BAM Retirement Gameplan® process.
We walk you through a clear set of steps designed to remove uncertainty and give you confidence about your retirement. This process forms the foundation of your plan and helps ensure that every recommendation is tailored to your goals. Like any effective gameplan, it provides both structure and flexibility — helping us design a retirement you can count on.
Introduce the Steps
Design Your Retirement Gameplan
Together, we outline your retirement dreams, identify the potential hurdles standing in your way and formulate a plan designed to help reduce the pressure, stress and anxiety from your shoulders.
Protect What’s Priceless
Using your retirement dreams as a foundation, we create your BAM Retirement Gameplan™ to help protect your hard-earned assets and grow your retirement nest egg.
Live For What You Love Most
Now that your BAM Retirement Gameplan™ is in place, you can focus your time and energy on the things, and people you care about most!
How we protect it.
We design your Gameplan™ to cover five essential areas of retirement—income, taxes, investments, healthcare, and legacy. Together, these form the foundation for a clear and confident retirement journey.
There’s no retirement without income. Once you account for guaranteed sources like Social
Security and pensions, there’s often a gap, and how confidently it gets filled makes all the
difference. That’s why we build a plan designed to give you reliable income for life, including:
- Social Security optimization
- Income and expense analysis
- Inflation planning
- Spousal planning
- Longevity planning
We build a retirement investment strategy that’s designed to holds up when volatility and
distributions collide.
- Assessing your risk tolerance
- Reviewing your portfolio to identify fee efficiencies
- Volatility control
- Evaluating ways to manage risk while still pursuing your goals
It’s not about how much you have, it’s how much you keep. Taxes are often the biggest
expense in retirement, which is why we build a plan to help you keep more of what you’ve
earned, including:
- Assessing the taxable nature of your current holdings
- Spousal stretch IRA planning
- Incorporating tax-deferred and tax-free dollars when appropriate
- Choosing which buckets to draw from to reduce your tax burden
- Leveraging qualified money to pass tax-free dollars to beneficiaries
Most people don’t realize how quickly healthcare costs can unravel everything they’ve built.
That’s why we build a plan to protect your health and your savings, including:
- A full look at Medicare Parts A, B, and D
- Analyzing your options for long-term care planning
When your retirement journey ends, what’s left should pass to your loved ones safely and
tax-efficiently, by design, not by default. That’s why we build a plan to protect your legacy,
including:
- Maximizing your estate and income planning opportunities
- Where appropriate, protecting assets in trust so they pass to beneficiaries probate-free
- Designing strategies to help prevent your IRA and qualified accounts from being fully taxable to beneficiaries
‘Treat others as you would want to be treated’ – that’s how I raise my kids, that’s how I live my life and that’s how I run my business.”
Kristy Afraimi
Most people who have worked hard and saved for retirement, don’t have a clear plan to maintain their lifestyle. At BAM Advisory Group we design personalized retirement plans so they can keep their lifestyle and retire with confidence.”
David Afraimi
★ ★ ★ ★ ★
"BAM is an awesome company with great people. If you want to have peace of mind in retirement and be assured that you have folks that will watch your back and help you along the way, this is the company. My only regret is that I did not know them earlier!"
— Brent W.
★ ★ ★ ★ ★
"BAM Advisory Group is a team of knowledgeable and customer focused individuals who collaborate and partner with you to manage your family's future. They focus on many important aspects and not just where to invest your money. I was previously with a very large well know brokerage firm that I was hesitant to leave but did. BAM has far exceeded my expectations. I highly recommend them."
— Mike S.
Who We Serve
At BAM Advisory Group, we work with people who:
Want clarity and confidence about their retirement future.
Value their health, family, and lifestyle—and want to protect it.
Don’t want to make these decisions alone; they want a trusted team by their side.
Feel uncertain about retirement decisions and need a clear, tested plan.
Believe they deserve to enjoy the lifestyle they’ve worked hard for.
Want to know they’re making the most of their money—without second-guessing every decision.
