Flagstaff & Sedona, Arizona  ·  Serving Clients Nationwide

Comprehensive
Financial Services
for Every Stage

Financial planning, investment management, and tax preparation, coordinated under one roof.

Your financial life doesn't happen in pieces, and your advice shouldn't either. From retirement income and tax planning to investment management and estate coordination, Babb Financial Group aims to bring every moving part together through one coordinated team, so important decisions are made with your complete financial picture in mind.

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Financial freedom and retirement planning Flagstaff AZ
Financial Freedom
 Investment management Flagstaff AZ
Investment Management
 Tax planning Flagstaff AZ
Tax Planning
 Tax preparation Flagstaff AZ CPA
Tax Preparation
 Retirement income planning Flagstaff AZ
Income Planning
 Estate planning Flagstaff AZ
Estate Planning
 Asset protection financial planning
Asset Protection
 Insurance management financial planning
Insurance
 Education funding 529 planning
Education
 Charitable giving tax strategy Arizona
Charitable Gifting
 Retirement plans business owners Flagstaff AZ
Retirement Plans
 401k 403b employer benefit planning
401k & More
What We Offer

Comprehensive Financial Planning,
Tax Preparation & Wealth Management

Each service below is part of a coordinated approach, not a menu of standalone products. Our Flagstaff and Sedona team builds a plan where every piece works together.

Financial freedom retirement planning
Financial Freedom
We work alongside our clients as they work toward financial independence through a structured retirement planning process.
During this phase of our planning, we look at current assets and savings to develop a roadmap of possibilities. This informs our decisions in other areas of the planning process and is foundational for all discussions going forward. At the end of this stage, we will have a clearer picture of whether you are saving enough, whether you are allocating your funds appropriately given your goals and investment horizon, and whether your current savings strategy may support your long-term objectives.
Happier Retirement Catch-up Contributions
Investment management
Investment Management
Our investment management process begins with a risk tolerance analysis that goes deeper than a standard questionnaire.
Instead of the standard 10-question survey, we guide you through a more in-depth analysis to develop a clearer picture of your risk tolerance and investment objectives. From there, we construct a portfolio intended to align with your risk profile, income needs, and tax considerations. We work to keep all parts moving in coordination with one another and consistent with the overall intent of the plan through regular reviews.
Geopolitical Events Staying the Course Time vs. Timing Investment Guide Discover Your Risk Number Behavioral Finance

Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Asset allocation and diversification do not guarantee a profit or protect against a loss. Investment advisory services offered through Babb Wealth Advisors, LLC, an SEC-registered investment adviser.

Tax planning
Tax Planning
Tax planning is a foundational part of your financial strategy, and it's already built into the way we work with you.
Our Flagstaff team, including our fiduciary investment advisers and affiliated tax professionals, provides proactive and personalized tax guidance throughout the year, helping you make more informed decisions that align with your investment, income, and retirement goals. From optimizing withdrawal strategies to navigating tax-efficient charitable giving, we work to keep taxes considered at every stage of your planning process. By combining year-round planning with optional in-house preparation, we work to keep tax decisions coordinated with the rest of your financial life.
Roth Conversions 0% Capital Gains Rate Required Minimum Distributions Why Tax Planning Matters Tax Mistakes to Avoid Secure Act 2.0
Tax preparation CPA
Tax Preparation
With the support of our in-house CPA, we can help you plan ahead with coordinated tax strategies. Through our affiliated tax team, you also have access to professional tax preparation services.
Having a dedicated Tax Manager as part of our broader team means more of your financial needs can be coordinated in one place. Whether it's annual tax preparation for you or your business, bookkeeping, or something more specialized, our affiliated professionals can assist with a wide range of tax services, all designed to complement your overall financial plan.
Important 1099 Dates Prepping for Tax Season
Retirement income planning
Income Planning
Our income planning process plays a critical role in supporting long-term financial independence.
We focus on aligning your withdrawal strategy with your broader investment and tax approach, working to draw income from the right sources at the right time. This includes thoughtful coordination of distributions from taxable, tax-deferred, and tax-free accounts, as well as considering the timing of Social Security benefits to support lifetime income potential. We work to help align your income plan with both stability and efficiency within your overall financial strategy.
Social Security Fairness Act Social Security Claiming
Estate planning
Estate Planning
One area that is commonly overlooked is the transfer of wealth to beneficiaries and making sure this process is properly carried out.
Through our estate planning process, we work to understand what is important to you and your family. We work to help align the plan with your intentions for beneficiaries. Where necessary, we help coordinate with estate planning attorneys or work with existing relationships a client may have. We also assess any special considerations or taxes that might impact the estate. Our work does not stop at the end of your life. We continue to support your beneficiaries throughout the process and serve as a resource during their time of grief.
Tax Impact of Gifting Inherited Tax Guide A Survivor's Checklist Estate Planning Best Practices
Asset protection
Asset Protection
Preserving wealth begins with a thoughtful approach to risk. When principal protection is a priority, the focus shifts toward stability, downside mitigation, and long-term confidence.
This strategy emphasizes stability and long-term resilience, focusing on mitigating risk, preserving wealth, and reinforcing the overall strength of a financial plan. Asset protection is approached as part of a broader, integrated strategy.
Savings Alternatives
Insurance management
Insurance Management
During this phase of planning, we assess the gaps and potential risks to your financial plan.
This risk management analysis looks at life, disability, long-term care, and health insurance to address those risks where appropriate. We focus particular attention on catastrophic risks or risks that present an unacceptable potential outcome to your overall plan.
ACA Changes Medicare Explained
Education funding 529 planning
Education Funding
Education funding for children or grandchildren is not as simple as whether a 529 plan will be used.
When working with families, we address any intent or desire to fund college for a student. If there is a desire to help with college, we look at current funding sources and project the amounts needed to address any shortfall. When it is time for the student to go to college, we help coordinate distributions from various accounts and look to consider financial aid implications through different strategies involving non-retirement accounts.
529 Planning Student Loan Perks for Physicians Student Loan Forgiveness
Charitable gifting tax strategy
Charitable Gifting
We work with many individuals, small businesses, and families in northern Arizona and nationwide who want to give back.
During our discovery process, we uncover any current or future charitable intent. This helps inform our decisions for tax strategy along with the estate planning process. We look at donor advised funds, charitable remainder trusts, and work to align charitable contributions with your overall tax picture when you itemize.
Charitable Gift Annuities Arizona Tax Credits Qualified Charitable Distributions Donor Advised Funds
Retirement plans business owners
Retirement Plans & Fringe Benefits
Business owners need to understand their options when it comes to designing and implementing retirement plans for their business.
We have the resources and knowledge to help design a 401(k) or defined benefit plan around your intent. Our team works to uncover tax benefits that may be available and helps implement fringe benefit strategies that employees can use. This service is coordinated with your overall tax and financial planning strategy.
Business Owner Tax Questions Secure Act 2.0
401k 403b employer benefits
401k / 403b / 457 & More
Regardless of the employer-sponsored plan, incentive compensation, or fringe benefit package, we work to help you structure a plan around the benefits your employer offers.
We provide guidance on the types of benefits being offered and which benefits may make the most sense to participate in given your overall financial plan. When it is time to separate from employment, we help with transitioning money to retirement accounts and revisit any insurance needs that arise with your new path forward. This includes non-qualified deferred compensation, stock options, and employer benefit coordination.
Catch-up Contributions

No statement contained herein shall constitute legal advice or tax advice. You should consult your legal or tax professional on any such matters.

Babb Financial Group Flagstaff office financial planning services
Custom Fit
Solutions
Our Approach

Personal services.
A unique financial approach.

Every financial plan we build is coordinated across planning, investments, and tax. Nothing is designed in isolation. Our Flagstaff and Sedona team brings together fiduciary investment advisers, CPAs, and Enrolled Agents to address your full financial picture under one roof, serving clients across northern Arizona and throughout the country since 1981.

See How We Work

Investment advisory services are offered through Babb Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance products are offered through Babb Financial Group, LLC; the firm and its representatives may receive commissions on insurance products sold. Tax preparation services are provided by Babb Tax Advisors, LLC, a separate but affiliated company. Babb Wealth Advisors, LLC may only transact advisory business in states where it is registered, notice-filed, or otherwise exempt.

The Guided Ascent Journal

Educational Insights

The Guided Ascent Journal shares educational insights aligned with our planning process, helping individuals, families, and business owners in Flagstaff, Sedona, and across Arizona identify opportunities and work toward their long-term financial objectives.

Retirement Planning
Retiring from NAU: What to Know Before You Make Decisions You Cannot Reverse
A guide to annuity elections, survivor benefits, Medicare, and healthcare coverage for NAU employees approaching retirement, before any decision becomes irrevocable.
Read Article
Tax Planning
Why Tax Planning Matters More Than You Think
Most people think about taxes once a year. A coordinated approach to tax planning connects every financial decision to its tax implications throughout the year.
Read Article
Visit the Journal
Take the First Step

Ready to see how these
services work together?

Every service we offer is part of a coordinated plan built around your life. No obligation, just an honest conversation about where you are, where you want to go, and whether we are the right fit to help you get there.

Book a Conversation Contact Us
Flagstaff Office
1117 W. Route 66
Flagstaff, AZ 86001
Sedona Office
481 State Route 179, Suite A-8
Sedona, AZ 86336
Phone
928-526-2911
Email
clientservice@babbgroup.com