Your Personal Finance Fiduciary, Financial Planner, and Investment Consultant
There's a non-financial aspect of retirement planning that is often overlooked: How to be happy during retirement. Download our complimentary Successful Aging e-workbook that you can view online or print out at home.
We Really Are Different
As a Fiduciary we Provide:
- Fee-only financial services, without product sales, commissions, or referral fees
- Personalized financial plans based on your individual, family and business needs
- Broad-based financial planning from cash flow planning to insurance and retirement planning to tax and estate planning
- 2nd opinions on your existing plans - great for do-it-yourselfers or assets held elsewhere
- Optional investment management services
A full list of services and fee structure can be found on Our Services page.
The most difficult part of in-depth financial planning is getting started. In order to "Take a Deeper Dive" we need a lot of information and documentation from you to analyze. We have automated as much of the process as possible to make it as easy as possible for YOU. Our objective is to provide you with a pleasant client experience, whether you are sitting in our office or across the country via computer screen sharing!
The Client Experience is About YOU
Powerful Financial Planning SoftwareAdditionally, we have incorporated the latest and the most client-friendly financial planning software available. As a client, from the convenience of your home, you will have an online financial dashboard that you can log into to check your account balances and cash flow planning. As your planner, this software provides powerful capabilities that allow us to develop a broad-based financial plan. For a 1-minute preview, please see this video:
We believe that everyone should have access to professional quality financial planning advice at a fair price, regardless of income level or demographics.
Our Financial Planning Philosophies
Our mission is to provide you with the education, tools and fiduciary advice that is in the best interest of you and your family. The end objective is to provide you with a financial plan that is tailored to your specific needs, not the needs of our business model or the bias of any financial product sales or commissions.
The result is a financial plan that is all about you, your family, your business, your goals, and a written plan on how you will get there. We start with an in-depth one-on-one session with you to understand your family dynamics, current financial status, what your short and long-range goals are, and what you would like your family legacy to look like. We will then go to work to create a personalized financial plan just for you and your family.
Each component of the financial plan will be tailored to your specific situation, risk tolerance, and goals. We will review this plan with you in detail and help educate you on all aspects of the plan. Any action items will be documented so that you can follow our instructions. Optionally, we can agree to have periodic follow-up sessions to help you keep on track.
We also believe that it should not be necessary for you to move your money to us for investment management. Our financial planning services are separate from the investment management services. The philosophy is to provide a solid financial plan, regardless of where your money is being managed. This provides do-it-yourselfers a unique opportunity to contract with us as a second opinion or sanity check that you have a good financial plan in place.
More on Financial Planning Insights
Our Key Client Segments
Business Owners and ExecutivesBusiness owners and corporate executives have a unique and complex retirement planning situation. But there are also numerous options available to maximize your retirement income. Tax planning is critical to minimize taxes during your retirement horizon. Estate planning is paramount for end-of-life wealth transfer considerations. We can help you analyze all of that plus Social Security claiming options, Medicare options, investment strategy, and provide you with a written retirement plan.
Business Owner Insights
Pre-Retirees and RetireesYour whole career has been focused on wealth accumulation. Now you are considering retirement. The retirement plan now needs to focus on maximizing your income to meet monthly expenses, a mechanism to cover emergencies, and still have a long-term growth portfolio for expenses such as Long-Term Care. Welcome to real retirement planning! We can help you analyze all of that plus Social Security claiming options, Medicare options, investment strategy, and provide you with a written retirement plan.
Families / Early-Mid CareerYoung individuals and families just starting out and into mid-career have a host of decisions to make. Paying off student loans, saving for their first home, career decisions, and many more. Lurking on the back burner is retirement planning and how to build wealth to get there. Slow and systematic investing can help you achieve that long-term goal while you deal with all the other critical decisions of today. A written broad-based financial plan with an action plan will chart a course to get you to your goals.
Insights for Families
Generally, our investment advice is based on a globally diversified strategy involving a long-term, disciplined approach that manages risk through appropriate asset allocation. We recognize that each client's needs and goals are different. Subsequently, portfolio strategies and underlying investment vehicles may vary.
Our Investing Philosophies
The following are common strategies we employ in client portfolios:
- Active Asset Management (Ex: mutual funds)
- Passive Investing (Ex: Exchange Traded Funds or ETFs)
- Hybrid - Passive Core plus Active Satellite
Modern Portfolio Theory (MPT) is an award-winning theory based on the belief that proper diversification and risk management will provide an investor with more stable and consistent return over time. The practice of MPT does not employ market timing or day-trading of individual equity selections, but rather a long-term buy and rebalance strategy. An implementation of the MPT theory that we offer under an Investment Supervisory Service is the Garrett Portfolios®.
Additionally, we employ a multi-asset/multi-fund diversification strategy that follows MPT and is designed with low correlation to optimize diversification. The assets in such portfolio would include REITs, Commodities, Emerging Markets, in addition to the more typical US equities and bonds. Available as active, passive or hybrid portfolios.
We strive to create portfolios that are diversified, tax-efficient, and utilize low-cost investments whenever practical. More on Investing Insights
Benefits of Kastler Financial Planning
Consider the many benefits of working with Kastler Financial Planning, a fee-only fiduciary financial planner. Some example benefits include:
- You are paying a professional for advice without product bias
- Focus is on the your "Big Picture" financial situation
- Planning advice is independent of Investment Management Services
- The focus is on your goals
- A written Plan , adjustable to life's changing circumstances
- All your key financial documents in one place
- Powerful financial planning software
- Investment portfolio designed with industry-proven/long-term objectives
- We work with your team of professionals such as CPA and Estate Planning attorney
- An experienced personal finance consultant looking out for YOUR best interest