Specialized Financial Services

Income Tax Accounting, Mortgage & Other Loan Acceleration Plans,  

Retirement Planning & Precious Metals Advisory Service

(307) 235-1069 / Cell (307) 262-4214 / garywells@vcn.com


Welcome to our website! We help educate and assist home buyers, real estate investors, precious metals investors and people who want to retire DEBT-FREE and IN COMFORT! Will your home be paid for before YOU plan to retire? I'm a Tax Accountant and a Retirement Planner in the Casper, WY area ONLY. This work is very personal and specialized, and it MUST be done in person. Our son, Steve Wells, and I are both Real Estate Loan Advisors and Precious Metals Advisors NATIONWIDE. We can help you with Mortgage Acceleration and Precious Metals on-line "24/7" thru this website. We'll help make your MONEY work as HARD for you as YOU had to work for IT!

HERE'S A TIME-SAVING TIP .... If you are interested in Precious Metals ONLY and not the other services we offer, scroll down to Precious Metals (with a black background), READ the information CAREFULLY, then go to the bottom of the page and click on the GREEN BUTTON for complete details. 

 Tax laws are changing, and understanding and utilizing these changes are very important!  We've been in our profession since 1962. Over the years, we have built a loyal following of clients who appreciate our sincere interest in them and their financial future.  We've helped with their small business and personal tax accounting, and with their retirement planning. Put the current tax law changes to work for you, and put most of the money you save toward your own retirement! Give us a call, and let's develop an effective and affordable financial strategy. What are YOUR financial goals

Will You Be Able To Retire In Comfort?

It's never TOO EARLY to plan for retirement, but it can be TOO LATE! Social Security alone will NOT provide enough for your needs. We've helped our clients plan ahead since 1962.  

Get Out Of Debt & Increase Your Wealth!

Pay off your mortgage and other large loans early, then put the money you SAVE toward your own retirement plans! Let us show you just how effective and affordable this strategy really is.       

GOD and FAMILY ... Where LIFE begins and LOVE never ends

Proverbs 13:11 says this...

"Dishonest money dwindles away, but he who gathers money little by little makes it grow."

We'll repeat something several times to make a very IMPORTANT point: "It takes TIME for money to GROW." The picture shows a person putting a few coins in a glass jar. Later on in the website, you'll see the jar again...with a LEAF growing out of the top. That's how it WORKS with MONEY! What plans have YOU made for a comfortable retirement? We don't know how long we will LIVE, nor what it will COST, but we DO know we really need to plan ahead. 

In the Old Testament (Leviticus 25:8 and beyond), you'll find a detailed account of what the Jewish people called "JUBILEE." Read it for yourself. Several well-known economists believe (and predict) that our own country will SOON go thru an "American Jubilee" starting with a severe stock market "correction." But this time, it will be a serious economic and political period unlike anything we have seen in 50 years. If they're right, are YOU and your family prepared

Proverbs 3:5 and 6 says...

"Trust in the Lord with all your heart, and lean not on your own understanding; acknowledge Him, and He shall direct your paths." 

Take the time to study God's word .... and use it daily to benefit others.

It takes TIME for money to GROW!

Get in the habit of saving AT LEAST 10% of every paycheck toward your future financial security. When you START early enough, and earn good growth on it, the old man or woman you'll be someday will look back in time and say "THANK YOU!"  

We specialize in Financial Security!

With a background in accounting & taxation, and extensive experience in financial services, we offer many advantages. In today's VERY UNCERTAIN economy, people need help in achieving financial success! What will YOUR future hold?  

We use Effective Proven Methods!

There are hundreds of books about "How To Get Rich Quickly."  The ONLY people who make money on them are authors and publishers. We use the Trusted Advisor method. YOU know what you want. And WE understand GOAL ACHIEVEMENT.  

Financal Planning and Economic Changes

Let's Take A Minute To Review Some History

In 2008, America went thru a serious financial crisis that involved the stock market, the bond markets, and also our real estate markets nationwide.  It's important to remember that people lost millions of dollars in the process.  

If we could "run 2008 thru a photocopier" and change the year to 2018, it would be very hard to tell the difference!  Then, thousands of homes faced foreclosure, and investors were very worried that they would suffer financial losses they couldn't afford. Banks and mortgage lenders simply were NOT PREPARED for all of this

Fast-forward to today, and we have the same situation unfolding ... only WORSE!  In 2017 and so far this year, over 36% of all "cash-out" refinance loans that have been done were NOT done for the same purposes the borrowers said they wanted the money for.  

Many borrowers told the banks and the mortgage lenders they "wanted the funds for repairs and remodeling," etc. But in many cases, they used most of it to pay credit card debts, make car payments, even to make the payments on the very mortgages they had just taken out

In other words, most of them were simply gaining access to their home equity in order to continue to spend EVEN MORE MONEY!  You might compare the process to using an ATM Machine at a bank.  People wanted "cash on demand," no matter what the cost or the consequences.  We don't always learn from our mistakes.  

Not only did all this happen in 2008, but it is already happening again in 2018! As you might suspect, most banks and other home and many commercial lenders are once again NOT prepared for what is coming.  ARE YOU?

If you have money in the stock market or in mutual funds, or even risky real estate investments, etc., you should carefully consider moving some of it to Precious Metals, while there is still time to do it!  Give us a call and let's talk about it. You may be glad you did!

The point is, when planning for your retirement, you need to remember the mistakes of the past, and not repeat them, while doing everything you can to make your money grow safely. It pays to start early and to be consistent in setting aside as much as you can on a regular, systematic basis.

Remember that funding your retirement and accelerating your home and other large loans go "hand-in-hand" and you need to work on both of them at the same time. Give us a call and let's talk about it. There's absolutely NO obligation. 

The Current Stock Market Is VERY Volatile!

Economist Harry Dent predicts that there WILL BE a long over-due "correction" in the markets VERY SOON. Economist and author, Porter Stansberry, refers to these very troubling coming events in his new book "The American Jubilee."

When you review our history, you'll find there are some major similarities to the events that preceded the stock market "crash" and the Great Depression of 1929.  A few older Americans today were alive then and may remember the losses and the hardships that were rampant. You've  heard it said that "HISTORY REPEATS ITSELF."    

Again, fast-forward to today, and we have many of the same problems about to become burdens and even "financial traps" for those who are not prepared for them.  Ask yourself this: "Am I managing my money WISELY, and am I keeping my money as SAFE as I can?"

Many of us procrastinate far too much when it comes to our own financial management. That's a very SERIOUS MISTAKE!  We also often tend to act on impulse, rather than seek advice from  a  firm that "specializes" in financial services. Another costly mistake.

It isn't necessary to spend a ton of money or time doing it, either.  But, what is important is working with the right person or firm who has the experience and the skills to do the job right.  If you have any questions about what to do, we welcome them.  Give us a call and let's talk about YOUR financial security

 It's true that history repeats itself, but it does NOT have to be a bad experience! If you live in Wyoming, you know about our "boom-and-bust" economy. It's always been that way, and it's not likely to change, so you MUST PLAN FOR IT.

Those who DO can take advantage of many "bargains" in such things as real estate, etc. and build a good "nest egg" for themselves. Those who DON'T will be very lucky if they have a "nest" at all. It's just that simple. Let's talk about it. It's honestly very important

Our national economy is not as good as the economic conditions are in Wyoming. We can be very thankful for that! Still, we need to do all we can to keep our spending and our debts under control during the "good times" so that we have a MARGIN OF SAFETY during "bad times." 


The following sections of our website explain more about Real Estate Mortgages and other Loan Acceleration, as well as how to invest in Precious Metals. We take a lot of pride in what we have done since 1962. This is our profession! 

Contact Us

Gary Wells, PA, MBA & Steve Wells, Financial Advisors

Specialized Financial Services

1022 Cardiff St., Casper, WY 82609-2426

Office (307) 235-1069 Gary's cellphone (307) 262-4214 or call Steve's cellphone (307) 267-3816. Give us a call ... or drop us a line. Just click on the BUTTON below.


Monday thru Friday: Hours by appointment

Saturday: By appointment

Sunday: Closed

Drop us a line!


Increase Your WEALTH & Decrease Your DEBTS

Why should you consider investing in precious metals?

Over 80% of Americans today are not certain that their retirement funds will be adequate.  Some people have a 401(k) or other pension plan at work, but many don't start their plans early enough, or they under-fund them. Or, perhaps they change employers and take their funds out for whatever reason. It takes TIME for money to GROW, and the end result is they may have to postpone their retirement or settle for a lower standard of living during it. Neither of these choices is easy to live with! In addition,  precious metals are a proven SAFE INVESTMENT and an excellent hedge against future inflation  With us, you'll take physical possession of the gold or silver you purchase!  

Tax Accounting and Your Retirement Planning

If you have a 401(k) or other pension plan at work that will allow withdrawals or transfers to another qualified plan, you can transfer funds to a self-directed IRA account which we can help you set up.  It's NOT an expensive process. The IRS has approved them, and they've been used successfully for years. Accountants, attorneys and many financial planners often recommend them. You can use Precious Metals, Real Estate, and a number of other asset types in these accounts. More information will be provided in this website. Remember that with ANY investment, past performance is NOT a way to predict the future. We'll help INCREASE your net worth and DECREASE your taxes.    

With us, there's never any pressure and NO obligation.

When you consider working with a Financial Planner or other Advisor, you should take many factors into account. Not only their education, experience and their reputation, but the way they are compensated as well. Are they motivated by your interests or by their earnings? Many stockbrokers or mutual funds salespeople may suggest shares of stock or a mutual fund based on various "strategies." However, all you'll have is a PIECE OF PAPER that's a "PROMISE TO PAY." Ask yourself, "What happens if the company has serious financial problems and PART or ALL of my money disappears?"  It's YOUR money and it's YOUR future.  KEEP BOTH OF THEM AS SAFE AS POSSIBLE

Loan Acceleration, Real Estate Services & Precious Metals

Retirement time should be harvest time!

One of the BEST WAYS you can make your money grow is to accelerate your home mortgage & other loans

Will your mortgage be paid before you retire? Do you have a 30 year fixed-rate mortgage loan? After making your payments for 10 YEARS, only about 15% of your principal will have been paid. And, at age 62....80% of us will STILL be making payments! Most of these loans will be for a first mortgage. However at age 55 nationwide, 20% of us also have a second mortgage to be paid for another 15 years or longer.

If you pay your regular monthly payments for the entire thirty years, you'll pay from two to three times what the home cost. Do the math. Multiply your present payment times 360 months. Is it any wonder that many Americans today are thinking "Can I AFFORD to retire when I want to on LESS INCOME and still make my payments?" Or "Should I simply postpone my retirement until I CAN?" Neither choice is a good one! 

And, if you have an Adjustable Rate Mortgage, (or an "ARM loan"), statistics compiled by the U.S. government indicate that there are errors in over 47.5% of these loans, averaging $1,500 per loan. Most people don't know where to go to get these matters corrected. BWMA provides FREE annual audits, which also apply to ARM loans. One "mistake" like this can cost you three times as much as our ONE-TIME enrollment fee!    

It's very difficult to retire in comfort if you're making mortgage or other loan payments. Retirement funding and accelerating mortgages go "hand-in-hand." You should work on both at the same time. If you wait on either of them to work on the other one, neither goal may be achieved. Accelerating loan payments is an important solution, but only 3% to 5% are paid systematically. 95% to 97% of us waste money on INTEREST!  

Wouldn't it make sense to pay the loan off SOONER and put the money you SAVE into your own retirement plans? We provide a very EFFECTIVE biweekly payment plan that DOES NOT require refinancing. It's a simple and proven systematic method of making automatic payments every two weeks. You gain one full annual payment (or more ), save time and interest, and you DON'T change lenders OR pay closing costs.  


We have three VERY informative short videos to explain how biweekly programs work. For details, just click on the GREEN LINK here www.BWMA.com. When the first site comes up, go to the center of the page (under the Apple) and click on "Biweekly Programs." That will bring up the BWMA website. Then, click on Main Menu and then on "How It Works." 

There's a LOT of information on their website! Any of the three videos will explain the biweekly program, but it isn't really necessary to watch all of them.  We suggest you watch the SECOND video carefully. It's also called "How It Works." Call with any questions you have. We'll provide a FREE illustration of your mortgage, or other type of loan(s).   

How many years are left from your present age until you RETIRE? You can shorten payment times to suite your goals. That's VERY important! Plus, when you enroll we also include FREE lifetime annual mortgage audits to help MAKE SURE the lender is applying ALL payments correctly (and on time) every month. If you live in the Casper, WY area, click on the GREEN TAB below. We'll come to YOU and help you SAVE on the largest expense most of us have!

You can also use thee plans to help "accelerate" many types of loans, including a second mortgage loan, commercial loans, student loans, loans on expensive items such as a motor home, large boats, or even an aircraft. Most of us think of home mortgages ONLY when it comes to loan acceleration, but the plans will work on almost any loan! A "rule of thumb" might be an item costing $30,000 or more, and payments lasting 10 years or longer. Give us a call.  

                                   OTHER REAL ESTATE SERVICES WE PROVIDE   

Do you want to buy or sell residential property in the Casper, WY area? We work with several real estate investors who can honestly HELP people achieve their goals and save money in the process. Give us a call TODAY and let's talk about YOUR situation!

Interested In Any Of Our Services? Click here To Contact Us.

Enrolling In The Preferred Biweekly Program

We suggest you plan to pay off your home and other large loans 5 to 10 years BEFORE retirement. Why? To give you time to put an amount equal to or greater than your monthly mortgage payment into your retirement savings for even more financial security. How many years are there from today until the day you plan to retire? Do the math. If you wait too long to begin, YOU WON'T MAKE IT! BWMA says "Do what others don't do, so you can do what others can't!" 


As effective and as important as these programs are, how could they be BETTER? Simply if they could be done at NO COST to you, right? The Biweekly Mortgage Association (or BWMA) who underwrites the programs, has been in business since 1984. We've worked with them for over ten years. In order to see as many SERIOUS Wyoming home buyers and real estate investors as we can, WE'LL PAY YOU $50 for everyone who lives in Wyoming that you refer to us who enrolls in a program. Refer us to ten people who enroll with us, and your's is FREE!  

And, that's in ADDITION to the benefits shown on the BWMA website, such as free gift cards, etc. 

If you live in the Casper, Wyoming area, call the numbers shown under the GREEN TAB (above), and we'll come to you. If you live anywhere else in America, you can enroll on the internet directly thru our website.  When your enrollment forms are received by BWMA, they will be carefully reviewed to make certain that they have been done correctly. The Customer Service Department at BWMA provides exceptional service. And, you'll become a CLIENT FOR LIFE!   

Let's Talk About Precious Metals, .... Primarily GOLD & SILVER

Approximately 90% of the people who invest in precious metals do NOT have them in an IRA or other "qualified plan." Instead, these people are usually hard-working Americans who'll invest as much every month as they can afford, and who are skeptical of most mutual funds and the very uncertain stock market right now. When you put money into a non-qualified plan, there's no tax deductions on it. When you take it OUT, you pay only on the GAIN.  

When it comes to investing in self-directed IRA accounts, including Roth IRA's, we can provide a great deal of information and assistance. For example, you can use Precious Metals, certain Real Estate, and other assets to fund these qualified accounts as long as they are properly set up and administered. In any event, we do NOT sell real estate, we do NOT give legal advice, nor do we offer securities products of ANY kind. If you have questions, call us.    


Warren Buffett (with a net worth of $82.9 billion dollars), gave some excellent advice regardless of WHAT you invest in, when he said: "Don't ever LOSE what you ALREADY HAVE!" Let me add this: ALWAYS KEEP YOUR MONEY SAFE!  Gold and silver have proven to be two of the most valuable and most stable investments available.  They're not only a great hedge against inflation, but they also provide liquidity and security against other investment losses

With us, you actually take physical possession of what you buy. All orders are shipped securely and promptly to you at your home or office, or to a secure Depository for safekeeping. We'll provide all the information and answer any questions you have. We "practice what we preach," and we believe honesty and integrity are ESSENTIAL for your financial success.  


In addition, we would like to tell you about an exceptional opportunity to not only save money on your OWN Precious Metals investments, but help others save on theirs and EARN MONEY simply by referring others to us! Click on the GREEN BUTTON at the bottom of the page to find out how to start making easy money by telling everyone you know about us.


Discreet / Cost-Effectve / Beginner-Friendly / Secure.


From early 1962 thru March of 2017, I offered life insurance, annuities and small business pension plans in Wyoming. I've also provided Precious Metals for over ten years. Today, we are affiliated with The Money Metals Exchange. They provide the experience, the products and the service our clients need and deserve. You need to know a few things about them.

First, they're NOT a "coin shop." If you are a coin collector, but not an investor, they're not for you. Second, you will be able to buy gold and silver coins and bullion on their website. Click on the link (below) to visit it. Many people today want to "get on the Internet, and cut out the MIDDLEMAN." In this case, there is NO MIDDLEMAN! You'll learn more on their site. 

For example, they even have a  monthly gold and silver savings plan for as little as $100 a month! If you are concerned about how to go about getting started purchasing Precious Metals, here's the way to do it. You can even put your purchases on your credit card account. If you like, you can also set up a specific monthly purchase thru a checking account, and more.

If you're a "seasoned" precious metals investor, or if you are just beginning, you'll find a great deal of important things on the website. One of the real concerns many beginning investors have is the fear of what might happen if they want to sell all or part of their metals QUICKLY and at a FAIR PRICE.. Their website shows current purchase price.and minimum buy-back prices 

  Call TOLL-FREE week-days 8:00 until 5:00 at 1-800-800-1865.  

You will have access to a number of different types and sources of precious metals thru them that help assure you of getting the best deal available every time! Whenever you are ready to make a purchase, open your own account and order directly on their website. You can call the TOLL-FREE number for guidance to get the BEST PRODUCTS at the BEST PRICES!  

Their website is very well done, the information is accurate and timely, and it's EASY to navigate thru. It's very helpful and rewarding for a beginning precious metals investor. There's current information and excellent videos to help you learn to safely invest in precious metals, Much of it is found under "Resources" in the "Education Center."          

There's also important information on IRA accounts, plus secure storage for precious metals, and more. For example, COMEX (the precious metals exchange reporting service) gives current prices on the most popular metals. It's updated every minute, 24/7. If you are interested in metals as an investment, or to refer people for them, click on the green button below.    

In that regard, to receive your valuable silver "referral reward" you need to remember to ALWAYS tell Money Metals Exchange WHO YOU HAVE REFERRED TO THEM! Make sure the company has the contact information for BOTH YOU and the people you have REFERRED. Otherwise, the company has no way of knowing WHO TO PAY.   

Finally, several well-known economists predict that with on-going stock market volatility, problems with the "petro-dollar" competition in China, etc., gold and silver could experience a 300% to 500% INCREASE in value by mid-2019. If that happens and stock market values FALL as precious metals values RISE, what may happen to YOUR financial security?   

To learn more about safeguarding it, click the GREEN BUTTON below.

THANKS for your TIME and for your TRUST and CONFIDENCE in us!     

    Gary and Steve Wells