Visualize Your Retirement Possibilities™
If you are looking for optimum distribution strategies, portfolio design, tax planning, or other retirement planning assistance, we are the financial professional to help you develop a PLAN and be your Guide.
We can help you Visualize Your Retirement Possibilities™ and align your needs, goals, values and purpose with a Retirement Plan that is best for you.
We can help you Visualize Your Retirement Possibilities™ and align your needs, goals, values and purpose with a Retirement Plan that is best for you.
Contact us to set up a no-charge/no-obligation consultation.
We Are a Flat-Fee, Fiduciary, and Independent
Financial Advisory Firm
Financial Advisory Firm
We meet clients in-person or with secured Virtual Advisory Planning Sessions
Financial Planning Services
We offer financial planning and retirement planning services on a Fee-Only model. Meaning we are a fiduciary and do not sell commissionable financial products. We are independent and not tied to any specific solution.
We distinguish ourselves from other Advisory firms by our battle cry: "Planning First!" before we ever make a financial recommendation. Through our fee-for-service model, we serve as a professional analyst to develop a personalized Retirement Plan based on your needs and goals. Here are a few highlights of what our financial planning services can provide for you:
We distinguish ourselves from other Advisory firms by our battle cry: "Planning First!" before we ever make a financial recommendation. Through our fee-for-service model, we serve as a professional analyst to develop a personalized Retirement Plan based on your needs and goals. Here are a few highlights of what our financial planning services can provide for you:
Create a Retirement Vision
Our retirement profiler helps you explore your needs, wants, goals, and purpose to create the legacy you want to leave behind.
The 7 Pillars Retirement Planning® eGuide can help you start the process in the comfort of your own home.
Get the eGuideThe 7 Pillars Retirement Planning® eGuide can help you start the process in the comfort of your own home.
Analyze Your Financials
We use incredibly powerful financial planning software to analyze your financial situation, create projections over a 30-year retirement time horizon, and craft various retirement scenarios - essentially enabling you to Visualize your Retirement Possibilities™.
Retirement Planning VideosDesign an Investment Portfolio
Purpose-Driven Portfolios™
We analyze your risk tolerance, risk capacity, and investment preferences to build your investment profile. Then we design a portfolio that is unique to you that best meets your needs, goals, values and purpose.
The portfolio may consist of a "Core" plus a number of "Satellites" available to mix and match to meet your overall objectives and our technical evaluation.
The portfolio may consist of a "Core" plus a number of "Satellites" available to mix and match to meet your overall objectives and our technical evaluation.
Deliver Your Written Retirement Plan
Once the analysis work is completed, we meet with you to review your retirement scenarios and jointly pick the scenario that best meets your needs, goals, values and vision. Kastler Financial Planning will then create a written Plan that includes an executive summary, action plan, and various information briefs that pertain to your specific situation.
Ongoing Planning Services
To make sure your Initial Plan stays on track, we can be your GUIDE with regular reviews, yearly Plan Updates and answer your questions. Life has a tendancy to provide new opportunities and ongoing planning can help you throuh those situations.
2nd Opinions
Already have an advisor and just want a 2nd opinion? Perfect...We can perform a one-time service to help you determine if you are on track with your retirement goals. No need to move your money away from your current custodian - Your money can stay right where it's at.
Investment Management Services
Once your Plan is complete, optionally for those clients wanting management of their assets, we offer low-cost investment managemt services. We have selected Charles Schwab as custodian for your assets.
Learn more about how we integrate investment management with retirement planning...and our low-cost flat fee structure that aligns to our fiduciary model:
Learn MoreLearn more about how we integrate investment management with retirement planning...and our low-cost flat fee structure that aligns to our fiduciary model:
Who We Serve
We serve clients from all walks of life. Our specialty is serving those that are near or in retirement and have an appreciation for the technical analysis that we provide. Typicall that includes engineers, IT professionals, medical professionals, and business owners. We also have a heart for women that want to gain financial wisdom from a financial professional.
Pre-Retirees and Retirees
Those near or in retirement that want or need a “guide” and a PLAN
Business Owners
Providing exemplary Planning solutions for business owners and high net worth individuals
Engineers / Medical / Tech Professionals
You’ll appreciate our depth of technical analysis
Women
Empowering women with greater financial wisdom and confidence
Get the eBook, "Women and Retirement" and take charge of your retirement roadmap.
Get the eBookFrequently Asked Questions
Throughout the Planning process we will be able to answer your retirement questions, such as:
- When can I afford to retire? What is my "retirement number?"
- When should I claim Social Security?
- How will taxes affect my retirement income? Are Roth Conversions right for me?
- How should I invest once I retire?
- How do I plan for healthcare costs in retirement?
- If I become a widow, what happens now?
Who We Are
We are not only in the business to serve you, we invest in how we serve you, ongoing education, and regular feedback requests from our clients.
Our Mission
We are on a mission to help ease your anxieties about retirement, to help you visualize your retirement possibilities, and guide you towards a meaningful retirement
Our Credentials
Retirement Income Certified Professional®
Master of Science in Finance
20+ years serving families
10+ years Retirement Planning
Meet Mike KastlerMaster of Science in Finance
20+ years serving families
10+ years Retirement Planning
Our Retirement Planning Process
Getting Acquainted
There is a no-cost, no-obligation meeting that we can jointly use to determine if your particular needs fit within our business philosophy and technical capabilities. This can be in-person, telephone, or via web meeting.
We will discuss your personal situation and needs. If appropriate, we will send you a Client Service Agreement for your review. You will know what services you are getting and the service fee.
We will discuss your personal situation and needs. If appropriate, we will send you a Client Service Agreement for your review. You will know what services you are getting and the service fee.
Onboarding and Discovery
Once we have jointly signed a Client Service Agreement, we will begin Onboarding and Discovery. We start with your current financial situation and ask a lot of questions about your needs and goals. You may need to provide PDF statements and documents and enter your basic information into our Planning software.
We'll have one or two discovery sessions to review your financial data, discuss your retirement scenarios and review your Purposeful Retirement™ profile before we start your Retirement Plan development.
We'll have one or two discovery sessions to review your financial data, discuss your retirement scenarios and review your Purposeful Retirement™ profile before we start your Retirement Plan development.
7 Pillars Retirement Planning®
These are the 7 main pillars that we believe will make for a well-rounded Retirement Plan:
- Establishing a stable Income Plan
- Portfolio Design and Investment Plan
- Tax Planning
- Understanding Your Risks
- Health Care options
- Long-Term Care funding
- Estate and Legacy Planning
Collaborative Reviews
During our analysis work, we'll get an idea of how your retirement scenarios will play out for you. We'll schedule one or two collaborative review sessions to review those retirement scenarios with you.
Personalized Solutions
During our review sessions, we'll get an idea of what type of financial solutions are best for you. We'll explore questions such as:
- Can you manage withdrawals from a portfolio?
- What type of portfolio is best for you?
- Are annuities a better fit for you?
We will craft a 7 Pillars Purpose-Driven Income Plan™ that is right for you.
Our 3-Step 'Start My Plan' Experience
Step
1
Schedule a Consultation
This is a 30-min no-charge/no-obligation to learn about you, your finances, and your goals. We'll establish mutual expectations for the services work to be performed
Step
2
Provide us your Information
If there's a good fit from Step 1, we'll send you the services contract with what is to be performed and how much it will cost. You can begin to send us your detailed information
Step
3
Collaborative Planning
From the information you provide us, we will prepare multiple collaborative meetings to review data, show analytic results, and present a report with observations and recommendations
Get your retirement planning journey started today
No-Charge and No-Obligation
Visit the "Start My Plan" pageNo-Charge and No-Obligation
Schedule a Consultation
Contact Us TodayThere is no-cost and no-obligation to schedule your first 30 minutes to review your situation, discuss your goals, ask us questions, and determine if we're mutually a good fit together.