About Heafner Financial2018-12-04T13:50:36+00:00

About Heafner Financial Solutions

Many financial advisors are little more than product salesmen, they don’t offer real solutions. Typically, the closest they come to giving you a financial plan is selling you a diversified portfolio and hoping it grows enough to provide the income and reserves you want. At Heafner Financial we strive to be more than just an adviser.

As a client, you can expect Heafner Financial to provide the best investments for your situation.  Heafner Financial will do so without limitations imposed by a broker-dealer or an employer who might require us to sell only the products that provide them the most profits

Building Your Heafner Retirement Masterplan

Your Secure Retirement Masterplan is a Heafner Financial proprietary method of increasing your chances of success for the retirement you want. In retirement, many families’ assets are at risk of shrinkage and even depletion due to market volatility, low returns, and “income drag.”

In need of monthly income, retirees often shift more money to bonds and cash to try to make their income last. However, their income is still at risk.  The approach is called “income drag,” because it drags down growth. “Income drag” acts like friction to reduce earnings. Heafner Financial believes, as do many financial researchers, there are better ways to ensure income and increase growth.

The solution should be to provide predictable and dependable income for as long as you live. The plan also needs to allow high growth comparable to a 100% stock portfolio. How do you accomplish both? This is the challenge for which most people have no plan.

Your Secure Retirement Masterplan is grounded in the research of America’s brightest minds in academia and independent think tanks: Wharton School of Business, Center for Retirement Research at Boston College, Texas Tech, Morningstar, The IFID Centre, Dr. Wade Pfau, Ph.D., CFA ®, and Dr. Moshe Milevsky, Ph.D.

Your Secure Retirement Masterplan offers a simple method to help you understand the issues at hand, learn about advanced strategies for success, and test the results to see the math behind each plan. Then select the solutions that work best for you.

Your Secure Retirement Masterplan is only offered by Heafner Financial. It is our commitment to your success in good times and bad!

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Our Team

Kristina joined Heafner Financial in October 2014. With over 30 years in the financial industry and 12 years as a public servant for state and federal government housing programs, she is not considered a newbie. Kristina started her career in upstate New York and spent the last 28 years in South Florida accomplishing many objectives in the housing industry. Arriving in Charlotte at the end of 2012, she and her husband, Ed, have plans to retire here and enjoy the seasons and country-style living she misses from her childhood. Ed and Kristina also retired from their professional drag racing team in 2012, but they continue to assist with organizing tech officials and operating timing systems at Charlotte Motor Speedway. ​kristina@heafnerfinancial.com

Our Philosophy…

You may ask: What’s in a logo? We want our logo to represent our philosophy. Our logo is a lion in winter. We want you to be a lion in the winter of your life — leading an independent, abundant, and satisfying life — and finish strong! Bring as much passion and spunk to your winter years as you did during your spring, summer, and autumn years. This requires your passion and a great financial plan.

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Ready to talk?

Call (704) 552-1230 to schedule a conversation with Jim!

Contact Us

Contact Us

10700 Sikes Place
Suite 150
Charlotte, NC 28277
(704) 552-1230
(704) 552-1281
info@HeafnerFinancial.com

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Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.
WealthGuard is a portfolio monitoring system, which identifies a client’s maximum portfolio downside or loss and indicates that immediate action is required in order to limit losses per the clients’s pre-determined risk tolerance. It is not an actual stop loss, and may not automatically sell the individual securities in the portfolio. Therefore, the WealthGuard Value is a reference point to encourage a conversation between Heafner Financial and the client, and to determine if the client/s would like to liquidate the portfolio and move the assets into cash, reset the WealthGuard percentage, or reallocate to a different risk profile. Investing entails risks, including possible loss of principal. The use of tools cannot guarantee performance. Past performance is no guarantee of future results.
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