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Fiduciary, Fee-Only, Independent, Advice-Only
Fee-Only: Financial Advice without the pressure or bias of product sales, commissions, or referral fees
Fiduciary: To always act in your best interest before our own
Independent: We do not represent any brokerage firm, bank, or insurance company
Advice-Only:We do not manage your money for a recurring fee either as a percentage of your asset value or on a monthly fee.
Key Philosophies
If you fail to plan, you are planning to fail!- Benjamin Franklin
- We help you visualize your retirement possibilities starting with a written Initial Plan and On-Going regular checkpoints
Simplicity is the ultimate sophistication- Leonardo Da Vinci
- A personalized portfolio of Low-cost ETFs and Mutual Funds is our "core plus satellites" investment strategy
Transparency is the first sign of integrity- Mike Kastler
- Every client engagement has a written contract with a clear description of services and your cost. See Services Summary and Fees
Retirement Planning
Collaborative Planning Approach - Keeps you engaged every step of the way
Powerful Software and Analytic Tools
A Finance Professional analyzes and writes your Plan, not a salesperson
Our Ideal Client
A good Advisor/Client relationship starts with mutual values and goals! Do any of these apply to you?:
You are willing to pay for fiduciary financial advice, generally referred to as "fee-only"
You want to explore your retirement possibilities
You have many questions such as when to take Social Security, how long your asset pool may last, tax efficient withdrawal strategies, and how to fund your long-term care
You may have a complex situation such as executive compensation, or blended family situation
You do not want to pay high AUM fees
If any of those apply to you, an on-going relationship with us as a Fiduciary Financial Advisor may be of value to you!

Let's Get Started!
Some Highlights at Kastler Financial Planning
Investment Portfolios
We believe in a personalized portfolio based on your Risk Tolerance with funds that are low cost (mutual funds and ETFs) with a highly diversified set of asset classes. See our page on Investment Management
Popular Blog Articles
Client Experience
Whether you live in our backyard or across the country, we can work with you securely and electronically
Collaborative Planning Software
Our financial planning software provides powerful capabilities that allow us to develop your financial plan. We do it collaboratively with YOU at the center of the planning process. View the Financial Planning Software video for an eye-opening perspective on what this software may do for you.Secure Data Sharing
We provide you with a very secure process to share and store your financial data - whether you are sitting in our office or across the country via computer screen sharing. Read more about our communications and financial data security at Disclosures.Client Portal
From the convenience of your home, you will have an online financial dashboard, available on your computer, to check your account balances and, optionally, perform cash flow planning. There’s even a smartphone app, should you be interested in mobile access. Visit our Client Portal for more information.Insight Article of the Month
Clients We Serve
High Net Worth individuals

Rather than pay a high AUM fee, we have a different approach for you to consider!
For a fixed monthly fee we can provide you with broad-based Retirement Planning and set you up for Investment Management on your own (DIY).
Corporate Executives

If you are an executive with equity compensation, we can help you formulate a picture of the potential future value of your company grants, maximize the value of those grants, and reduce risk by making timely decisions.
By integrating your executive compensation into the Retirement Plan, we can show you more realistic retirement possibilities, with or without the grants.
Contact Us to schedule a no-cost/no-obligation Get Acquainted meeting
Faith-Based

Download the complimentary PDF, Faith-Based Small Group Study
Engineers

To get started on your own, download this PDF: Engineering Your Retirement Plan
Step-Families

Resources are available to help you and your new spouse get on the same page!
More Information: Step Family Financial Planning