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About
Aideen Ky Briones
I’ve stood where many of my clients stand—working long shifts in healthcare, juggling family responsibilities, and still worrying about whether I was doing enough to build a secure future.
That’s why I affiliated with and mastered ERFT: because too many smart, hardworking people are handed one-size-fits-all financial plans that are high in fees, low in protection, and completely out of touch with real life.
At ERFT, we don’t sell you products—we deliver clarity. We eliminate unnecessary risk, expose hidden fees, and design strategies that put control and confidence back in your hands.
Our approach isn’t just a plan—it’s a complete mindset shift in how you protect what you’ve earned, grow what you keep, and pass on what matters. If you’ve ever wondered, “Am I doing the right thing with my money?”—let’s talk.
Once you understand the ERFT approach, your perspective on traditional planning will change significantly.
About
Aideen Ky Briones
I’ve stood where many of my clients stand—working long shifts in healthcare, juggling family responsibilities, and still worrying about whether I was doing enough to build a secure future.
That’s why I affiliated with and mastered ERFT: because too many smart, hardworking people are handed one-size-fits-all financial plans that are high in fees, low in protection, and completely out of touch with real life.
At ERFT, we don’t sell you products—we deliver clarity. We eliminate unnecessary risk, expose hidden fees, and design strategies that put control and confidence back in your hands.
Our approach isn’t just a plan—it’s a complete mindset shift in how you protect what you’ve earned, grow what you keep, and pass on what matters. If you’ve ever wondered, “Am I doing the right thing with my money?”—let’s talk.
Once you understand the ERFT approach, your perspective on traditional planning will change significantly.
PROTECT WHAT YOU'VE EARNED. GROW WHAT YOU KEEP-TAX FREE
Our
Services
Retirement Planning
We prioritize a holistic approach to retirement planning that extends beyond traditional investment strategies. We focus on securing your Lifetime Income needs, ensuring you have a steady stream of income that cannot be outlived, a crucial aspect often overlooked by other advisors. We also address the critical issue of healthcare costs, helping you develop a plan to protect your assets from the rising expenses of aging and potential long-term care needs. Furthermore, we assist with comprehensive Estate Protection strategies to safeguard your legacy and minimize the impact of potential estate taxes, ensuring your assets are transferred according to your wishes.
Index Strategy
An Indexed Strategy allows you to participate in market growth without the inherent risks and volatility. Your funds are not directly invested in the market but linked to its performance, such as the S&P 500 or other major indices. This approach offers significant advantages, including principal protection, tax-free growth and access, and the elimination of costly fees. With no penalties, restrictions, or age limitations, you maintain full liquidity and
control over your funds. This sophisticated strategy, historically utilized by the top 1%, provides a more secure and efficient path towards achieving your financial goals.
Living Benefits
Discover the power of Living Benefits, which allow you to access a portion or all of your life insurance death benefit while you are still living. This crucial coverage provides a safety net in the face of
terminal, chronic, or critical illnesses, enabling you to maintain your financial stability without depleting your savings. With Living Benefits, you can address significant healthcare expenses and maintain your quality of life during challenging times, ensuring your financial security remains intact.
Saving For Your Future
Investing in yourself and saving for your future retirement requires more than simply accepting conventional advice. We empower individuals with the knowledge and strategies typically reserved for the top 1%. Our ERFT Method prioritizes eliminating risk, fees, and taxes, ensuring your hard-earned money grows efficiently. We focus on guaranteed protection of your principal, eliminating fees that erode your returns, and maximizing tax-free growth. By understanding your unique goals and implementing a personalized plan, we help you achieve financial security and keep more of your money for the future.
Executive Bonus Plan
Most business owners want to reward their key team members but end up giving bonuses that are taxed heavily and forgotten quickly. A smarter solution is to design an Executive Bonus Plans that turn those same taxable dollars into powerful, tax-advantaged retirement benefits. These plans allow you to attract, motivate, and retain top-tier talent without the complexities of qualified plans like 401(k)s. Your business stays agile and compliant, while your team gains long-term, tax-free income—all without extra fees or market risk. It’s more than a bonus. It’s a retention strategy that builds loyalty, protects your team’s future, and saves your business money in the process.
Our
Services
Retirement Planning
We prioritize a holistic approach to retirement planning that extends beyond traditional investment strategies. We focus on securing your Lifetime Income needs, ensuring you have a steady stream of income that cannot be outlived, a crucial aspect often overlooked by other advisors. We also address the critical issue of healthcare costs, helping you develop a plan to protect your assets from the rising expenses of aging and potential long-term care needs. Furthermore, we assist with comprehensive Estate Protection strategies to safeguard your legacy and minimize the impact of potential estate taxes, ensuring your assets are transferred according to your wishes.
Index Strategy
An Indexed Strategy allows you to participate in market growth without the inherent risks and volatility. Your funds are not directly invested in the market but linked to its performance, such as the S&P 500 or other major indices. This approach offers significant advantages, including principal protection, tax-free growth and access, and the elimination of costly fees. With no penalties, restrictions, or age limitations, you maintain full liquidity and control over your funds. This sophisticated strategy, historically utilized by the top 1%, provides a more secure and efficient path towards achieving your financial goals.
Living Benefits
Discover the power of Living Benefits, which allow you to access a portion or all of your life insurance death benefit while you are still living. This crucial coverage provides a safety net in the face of terminal, chronic, or critical illnesses, enabling you to maintain your financial stability without depleting your savings. With Living Benefits, you can address significant healthcare expenses and maintain your quality of life during challenging times, ensuring your financial security remains intact.
Saving For Your Future
Investing in yourself and saving for your future retirement requires more than simply accepting conventional advice. We empower individuals with the knowledge and strategies typically reserved for the top 1%. Our ERFT Method prioritizes eliminating risk, fees, and taxes, ensuring your hard-earned money grows efficiently. We focus on guaranteed protection of your principal, eliminating fees that erode your returns, and maximizing tax-free growth. By understanding your unique goals and implementing a personalized plan, we help you achieve financial security and keep more of your money for the future.
Executive Bonus Plan
Most business owners want to reward their key team members but end up giving bonuses that are taxed heavily and forgotten quickly. A smarter solution is to design an Executive Bonus Plans that turn those same taxable dollars into powerful, tax-advantaged retirement benefits. These plans allow you to attract, motivate, and retain top-tier talent without the complexities of qualified plans like 401(k)s. Your business stays agile and compliant, while your team gains long-term, tax-free income—all without extra fees or market risk. It’s more than a bonus. It’s a retention strategy that builds loyalty, protects your team’s future, and saves your business money in the process.
YOUR 401k is not broken—it's bleeding
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TESTIMONIALS
TESTIMONIALS
RETIRE WITH CONFIDENCE
Let's rewrite your retirement story by eliminating risks, fees, and taxes the way they park and save.
Keep more. Grow more. Tax-Free
