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Kastler Financial Planning

<h2>Visualize Your Retirement Possibilities</h2>

Advice Only Retirement Planning

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    7 Pillars Retirement Planning™


    Specializing in ages 55 and up



    We Help you Visualize your Retirement Possibilities


We are an Independent, Fiduciary, Advice Only financial services firm with affordable and transparent fees

We help ease your anxieties about retirement by being your Guide, helping you visualize your retirement possibilities, and creating a personalized Retirement Plan



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Doing It Yourself (DIY)

Download a no-charge white paper outlining the risks and complexities of doing it yourself
Download PDF
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How We Can Help

Information kit on how we can help, including a Retirement Planning Checklist and questions to ask your advisor
Download PDF
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Get Started Today

Call us today to schedule your no-charge / no-obligation “Get Acquainted” meeting

(248) 793-7314

Fiduciary, Fee-Only, Independent, Advice-Only

2-min video on how we're different:



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

1-min video


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

See our Retirement Planning services.


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!

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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

Retirement Income

RICP
Learn More about how a RICP® professional can help with your retirement income

Popular Blog Articles

7 Pillars Retirement Planning™

CARES Act Highlights

Financial Advisor Compensation Models

Is Continuous Financial Planning for You?

SECURE Act: Retirement Plan Implications

View the list of our complimentary eBooks and PDFs that you can download for your personal use: Complimentary PDFs

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

Scammers Target Older Americans

February 3, 2022 By Mike Kastler, MSF

Major scams targeting older Americans Scammers target older Americans to the tune of $500 million in 2020. The pandemic fueled spikes in almost all top categories of fraud, according to FTC officials quoted in this AARP article. Of particular concern, online shopping scams soared 129% over 2019. The highest dollar scams occur in “romance” scams.Read More >

Clients We Serve

High Net Worth individuals

high net worth individuals If you are a High Net Worth individual, you may be paying a high AUM fee. You may have unique needs including withdrawal strategies, tax planning, legacy planning, and wealth transfer.

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

corporate executive
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

faith-based Teach your congregation about simple money matters with the “Small Group” approach. Learn about building a spending plan with faith-based principles. Using scripture, prayer, and some basic tools, you can help people get a grasp on their budget.

Download the complimentary PDF, Faith-Based Small Group Study

Engineers

engineers We cater to deep analysis using Monte Carlo simulations, generate cash flow reports throughout the retirement time horizon, and wrap all of that into a written Plan with graphics that you will be proud to own.

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

Step-Families

step families Financial Planning is especially important to protect all parties involved, especially your children from a previous marriage.

Resources are available to help you and your new spouse get on the same page!

More Information: Step Family Financial Planning


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Set Goals. Plan Well. Execute and Monitor.

248-793-7314

Kastler Financial Planning offers financial planning and investment advisory services through Kastler Consulting Group, LLC., a fee-only registered investment adviser offering advisory services in the State(s) of Michigan and in other jurisdictions where exempted. Tel: (248)-793-7314. We are an Advice-Only financial planning firm and do not offer investment management services as a percentage of your asset value.

This communication has been provided to you for informational purposes only and is not intended as an offer or solicitation for the purchase or sale of a security. Although the information in this presentation has been obtained from and is based upon sources that Kastler Consulting Group, LLC believes to be reliable, Kastler Consulting Group does not guarantee its accuracy and it may be incomplete or condensed. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation.

Investing involves substantial risk and has the potential for partial or complete loss of funds invested. Investments mentioned may not be suitable for all investors. Before investing in any investment product, potential investors should consult their financial or tax advisor, accountant, or attorney with regard to their specific situation.

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