Comprehensive Wealth Management
Most of our clients are retired, or about to retire, and want to protect the assets they have spent a lifetime accumulating. That requires truly comprehensive wealth management. We believe there are five key areas of wealth management, and through Kevin's affiliation with United Planners, he services his clients in all these areas.
Maximizing use of tax advantaged investment vehicles, Multi-generational IRAs, Tax-free and tax-deferred investment strategies
Retirement plan distributions, Income strategies
Portfolio analysis, Risk/Return evaluation, Asset allocation
Identifying current & future risk exposure, Analysis of current insurance coverage & cost effectiveness, Long-term care protection
Working with your attorney to help minimize probate expenses, delays & publicity, reducing or eliminating estate taxes, Helping to assure proper management of family assets
Financial Planning Process
Kevin follows a step-by-step financial planning process to help ensure that all your financial needs are met. It's an ongoing process which includes regular reviews of your situation and making any adjustments necessary to bring you closer to your objectives. Areas covered are cash flow management, education, retirement, and investment planning, risk management, and insurance, tax, and estate planning and business succession planning (for business owners).
Identify Your Goals & Priorities
The first step is to define what is most important to you in life and your financial goals; saving for college and retirement, long term care protection, reducing taxes, avoiding probate, being financially independent and staying that way, etc. These priorities serve as guideposts to map a course of action to reach your goals.
The more information we have the better our analysis will be. We examine your assets, liabilities, income, expenses, taxes, insurance, beneficiary designations, estate plan, and investments.
Analyze the Information
Using our knowledge, state-of-the-art technology and various financial tools we consider your current and future resources, risk profile and lifestyle to conduct a comprehensive analysis and organize all of your financial data and resources.
Kevin presents a balanced and realistic plan designed to address your goals and financial concerns. It contains the possible alternatives, strategies, and products that best suit your individual objectives, and with your input and approval a flexible plan is created.
We help you put your customized plan into action. As an independent advisor, Kevin can be as involved as you need him to be.
Provide Service and Update
We regularly meet with you to review your needs and circumstances, updating your plan to accommodate any major unexpected changes. As investment tax laws change, your advisor will inform you of ways to minimize your tax liabilities.