If there’s ever been a time to evaluate your Financial Resolutions, it’s after the roller-coaster ride of 2020! Now is the time to get out your pencil and paper, your excel spreadsheet, or whatever tool works best for you and start to draft out a plan. This simple guide of 7 Financial Resolutions will provide
We are a fiduciary firm, providing fee-only, professional financial services with affordable and transparent fees
Please note that we are not currently taking on new client contracts
Fee-Only, Fiduciary, Independent
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
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
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!
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
Other Highlights at Kastler Financial Planning
If you are a High Net Worth individual and paying the traditional 1% AUM fee, we encourage you to look into Fixed Flat Fee investment management. It may save you tens of thousands of dollars per year in investment management expenses.
Fixed Flat Fee Investment Management
Read our article on Fixed Flat Fee investment management
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Whether you live in our backyard or across the country, we can work with you securely and electronically
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.
Collaborative Planning Software
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.
Secure Data Sharing
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.
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Clients We Serve
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.
High Net Worth individuals
Rather than pay a high AUM fee, we have a different approach for you to consider: A fixed flat fee.
For a fixed monthly fee we can provide you with broad-based Retirement Planning and Investment Management.
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
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
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
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