If you are a High Net Worth individual, a fixed flat-fee vs a percentage of Assets Under Management (AUM) for investment management can make a huge difference in your overall yearly fee. Shocking to some, if you are a Very High Net Worth individual, the investment fees can be to the tune of tens of
Fee-Only, Fiduciary, Independent
The Fee-Only Model:
Financial Advice without the pressure or bias of product sales or commissions
I sign a Fiduciary Oath to always act in your best interest before my own
No referral fees from any brokerage firm, bank, or insurance company
We’re on a Mission to Help You Get Retirement Ready!
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
I believe a good Advisor/Client relationship starts with mutual values and goals. Do any of these apply to you?:
High commission and AUM fees are killing you
You have many questions about your planned retirement and you look at your retirement with a long-term view
You are either too busy or don't have the skills to do this on our own
A "Heart for Learning" and a "Passion for Striving" is part of who you are
For us, it's important that you are comfortable and able to use secure, electronic tools such as: DocuSign, Zoom, and scanning statements into PDF files
An on-going relationship with a Fiduciary Financial Advisor may be of value to you!
We Will Serve You Differently…and that’s a good thing!
I believe everyone should have access to reasonably priced financial advice without the bias of product sales or commissions
Read more About Us - our "6 C's" of how we do business differently.
If you've been fortunate to accumalate a large asset pool, you shouldn't have to spend tens of thousands of dollars PER YEAR to have someone manage it.
Also learn more about Mike Kastler and his unique qualifications.
- It starts with you, your goals and aspirations
- We help determine the best path for you to meet those goals
- The written Plan is the result and the foundation for you to build upon for years to come
- On-Going Financial Planning with a "Personalized Service Calendar" is critical for the Execution and Monitoring of your Plan
Also learn more about Retirement Planning if you are age 55+.
- We do not take possession of your assets. We use TDAmeritrade, one of the largest custodians in the industry.
- A written Financial Plan and an Investment Policy Statement are required before we consider managing your assets
- Low-cost ETFs and Mutual Funds are the core of our investment strategy
Simplicity is the ultimate sophistication- Leonardo Da Vinci
Insight Article of the Month
Other Highlights at Kastler Financial Planning
Multi-Asset, Highly Diversified Portfolios are Here!
RICP® Popular Insight Articles
Clients We Serve
If you are paying the industry standard 1%+ AUM fee, we can help you significantly reduce that with our fixed flat fees.
High Net Worth individuals
You have a unique opportunity to save significantly for your own retirement and build a unique legacy plan for heirs. Many estate planning strategies can be deployed to help with wealth transfer and to save on taxes.
Read our article on how a Fixed Flat Fee schedule may significantly reduce your investment management expenses.
Generally, engineers like a lot of detail. As an engineer-type in my previous career, so do I. 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. We even provide you with a cookbook to help you get started on your own.
Download PDF: Engineering Your Retirement Plan
Young 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.
Young-Mid Career Families
More info at: Financial Planning
Now is the time to implement a retirement plan for your employees OR help them leverage your existing plan.
If you have a company Retirement Plan in place, we can help educate your employees to leverage that Plan. You can also hire us for a day to provide workshops and one-on-one consultative sessions!
See: Retirement Plan Consulting
If you do not have a company retirement plan in place, we can help you determine the best plan to meet your needs. A very low cost to you and of high value to your employees.
Download a 1-page PDF: Guide to Selecting a Company Retirement Plan
If you have been looking for an easy and inexpensive option to teach your congregation about simple money matters, try the “Small Group” approach! This may be just what your congregation needs to 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
Step families or blended families, can bring about different physical, emotional, and financial needs and stresses to all involved. 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 Invormation: Step Family Financial Planning
Download a PDF: Blended Family Finances Workbook