At Total Financial Solutions, Inc. we want to help you manage money, get out of debt, and save for retirement. We want to build an integrated financial outline for you and your family that is specific to your goals and aspirations. Whether we are working with your entire financial portfolio or one aspect of it, we are committed to treating every client with the same importance.
Today we live in a world with a “buy now and pay later” mindset. Unfortunately for some people, they’'re not in the financial position they thought they would be in when later does come. This means what you have bought now can take several more months or years to pay off due to the accumulated interest.
Is debt good or bad? It depends. Debt in and of itself is not inherently bad. Debt is a tool; how it is used and the purpose for which it is acquired determines whether it is good or bad. When used properly debt can provide a multitude of opportunities; if used unwisely, it can be overwhelming.
Whether your retirement is years away or quickly approaching, the sooner you start saving for retirement, the sooner you will be able to reach or exceed your retirement goals. However, the longer you wait, the more limited your choices become. Regardless of your current stage in life, now is the perfect time to start planning for retirement.
Has anyone ever integrated your car insurance with your child's college fund? Or your debt repayment strategy with your retirement accounts? These are some of the ways that we differ from our competitors. Risk, balance, and personal needs should always be considered in order to properly integrate your finances.
We can help you integrate your:
Annuities
Life Insurance
Retirement Planning
Auto & Homeowners Insurance
Real Estate
Debt Management
Supplemental Insurance
Disability Insurance
Health Insurance
Arif has dedicated his life to protecting people. He has transitioned from 11 years of service with the Los Angeles Police Department to help people protect and preserve their hard-earned assets. Arif's focus and mission is to help people save money, get out of debt, and plan for retirement.
Arif has been working with families financial planning and money management since 1996 and is now President and CEO of Total Financial Solutions, Inc. He holds his life, health, and property and casualty licenses.
Additionally, he holds endorsements for annuities and long term care. His passion for educating his clients and the community resulted in the formation of Total Money School in 2002. He has taught financial principles as a guest speaker at many PTA events and companies through Total Money School's Lunch-n-Learn program.
Additionally, Arif has expertise in the area of business development. He has been involved on a variety of levels with over 80 companies as a consultant, member of the board, or corporate officer. He has vast experience in helping business owners maximize their earning potential through creative business models and wise investment and insurance decisions.
Arif also hosts the most popular radio show on Santa Clarita's Home Town Station, AM 1220 KHTS. The 'Total Financial Safer Money Hour' airs live on Tuesdays from 12:00 - 2:00 pm.
Total Money School has found that even though it’s one of the most important aspects of day to day living, basic financial education is not taught at home or school. There’s no question why so many people find themselves with high debt, big mortgages, and an inability to pay for their kids’ college, not to mention neglecting to save enough for their retirement needs. Good decisions are preceded by good information. Invest some time today and begin your personal financial journey with noble goals of managing money, getting out of debt, and planning for retirement.
Financial Education:
"It's never too early for your kids,
and never too late for you."™
- Arif M. Halaby
Money Basics is our premier financial course, taught by Arif Halaby, designed to provide a basic understanding of money and how it works (most importantly, how it can and should be working for you). Because most people are busy working for money, they rarely learn how to make their money work for them.
Some of the topics covered are:
Your Personality & Your Money
Bad Debt vs. Good Debt
4 Ways to Earn Income
Building & Retaining Wealth
5 Pillars of a Healthy Financial Life
Types of Investments
Visit Total Money School now to learn more!
www.TotalMoneySchool.com
Associates
Mark J. Kohler
KKO Laywers
Attorney, CPA, & Entrepreneur
(Specializing in real estate & taxes)
888-801-0010
www.KKOLawyers.com
David Lozano
Law Offices of Dave Lozano
Specializing in Bankruptcy
626-802-5680
800-974-5680
www.DLBKLaw.com
Noelle M. Halaby
Law Office of Noelle M. Halaby
Attorney
(Specializing in family law)
818-502-3939
Daniel R. Mortensen
Law Offices of Daniel R. Mortensen
Tax, Trust, & Estate Attorney
661-799-8035
www.MortensenLaw.com
Dave McKean
Classic Real Estate Inc.
Real Estate Consultant
661-607-3860
www.ClassicRealEstateInc.com
Gary Leach
Wells Fargo
Home Mortgage Consultant
626-332-8600
gary.s.leach_wellsfargo.com
Important Documents
New Client Packet
In order to make the most of your time with our counselors, we ask
each new client to fill out this packet to the best of their ability.
Budget Worksheet
If you do not track your money, you can't track your savings. This budget
worksheet will help you identify where your money is being spent each
month and allow you see where money can be saved.
New Client
Packet
Phone: 661-753-9683
Fax: 661-753-9672
E-mail: info_TFSWealth.com
Santa Clarita Office:
22700 Lyons Ave. Suite C
Newhall, CA 91321
Santa Barbara Office:
1517 Chapala St.
Santa Barbara, CA 93101
Arif M. Halaby - CEO, Founder,
& Financial Counselor
ahalaby_tfswealth.com
Jeffrey D. Girard - Operations,
Financial Counselor
jgirard_tfswealth.com
Justin W. Newton - Financial Counselor
jnewton_tfswealth.com
John E. Lewis - Financial Counselor
jlewis_tfswealth.com
Thomas R. Danzek - Financial Counselor
tdanzek_tfswealth.com
Cynthia Kleinfeld - Marketing Coordinator
ckleinfeld_tfswealth.com
Cindee Grant - Client Relations
cgrant_tfswealth.com
Call Total Financial Solutions: 1-800-990-7344
Check in often for upcoming events!!
Manage Money
Get out of Debt
Plan for Retirement
Special Discount - Mark Kohler's
Tax Transformation 2011 Event
DETAILS HERE!
Keep updated about new
Dave Lozano
Click HERE to Listen to Arif M. Halaby
The Mark Kohler Show
Tuesdays _ 11:10 am
(Bi-weekly)
Total Financial Solutions, Inc. 22700 Lyons Ave, Ste. C, Newhall, CA 91321 (661) 753-9683 Insurance products offered through TFS Financial Insurance Services. CA Lic. #0F22477 Property of Total Financial Solutions, Inc. & Arif M. Halaby CA Lic. #0B93792
