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Kastler Financial Planning

<h2>Fiduciary Financial Planning and Retirement Planning</h2>

Fiduciary Financial Planning and Retirement Planning

Get Retirement Ready!

(248) 793-7314

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    Retirement Planning for Ages 55 and Up is Our Specialty




    Let's Analyze your Retirement Possibilities Together


We are a fiduciary firm, providing fee-only, professional financial services with affordable and transparent fees

Whether you live in our backyard or across the country, we can work with you securely and electronically



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Our Main Thing

We love what we do! FEE-ONLY (no commissions) We help you analyze your future retirement scenarios with detail Retirement Planning, Income Strategies, Tax Planning, and low-cost Investment Management services.
Retirement Planning
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Newsletter Sign-Up

After perusing this site, you can stay connected through our monthly Newsletter. Articles vary each month on Financial Planning and Retirement Planning. No-cost, no-obligation, unsubscribe at any time.
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Get Started

When you are ready, you can start the Financial Planning Process with a no-cost and no-obligation Get Acquainted meeting. Gather your financial documents, access our Planning software, and schedule the meeting - all from our onboarding portal!
Financial Planning Process

Fee-Only, Fiduciary, Independent

2-min video

The Fee-Only Model:

Financial Advice without the pressure or bias of product sales or commissions


Fiduciary:

I sign a Fiduciary Oath to always act in your best interest before my own


Independent:

No referral fees from any brokerage firm, bank, or insurance company


We’re on a Mission to Help You Get Retirement Ready!

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



Our Ideal Client

I believe a good Advisor/Client relationship starts with mutual values and goals. Do any of these apply to you?:

You are willing to pay for advice, not products with high commissions and AUM fees

You have many questions about your planned retirement such as when to take Social Security, how long your asset pool will last, tax efficient withdrawal strategies, and how to fund your long-term care

You look at your retirement with a long-term view

A "Passion for Striving" toward a well-rounded retirement is important to you



An on-going relationship with a Fiduciary Financial Advisor may be of value to you!

handshake

We Will Serve You Differently…and that’s a good thing!

2-min video

I believe everyone should have access to reasonably priced financial advice without the bias of product sales or commissions

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.

Read more About Us - our "6 C's" of how we do business differently.
Also learn more about Mike Kastler and his unique qualifications.


Key Philosophies

Retirement Planning

We consider Retirement Planning for two age groups: those pre-55 and those that are above 55. The issues and analyses are very different!
  • 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


Read more about Retirement Planning for pre-55 at Financial Planning. If you are age 55+, read more about Retirement Planning services.

On-Going Planning

Execution and Monitoring of your Plan is critical! Learn more about our On-Going Financial Planning services and your "Personalized Service Calendar"

Investment Management

  • If you are a High Net Worth (HNW) individual, we believe in a capped flat-fee to minimize your investment management costs
  • 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


Learn more about our Investment Management Services


Insight Article of the Month

7 Financial Resolutions to Kick-Off the New Year

January 7, 2021 By Mike Kastler, MSF

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 provideRead More >

Other Highlights at Kastler Financial Planning

Multi-Asset, Highly Diversified Portfolios are Here!

7Twelve
More info at: 7Twelve® Partners Program
16-page 7Twelve® PDF download

RICP®

RICP
Learn More about what a RICP® professional can do for you

Popular Insight Articles

Main Pillars of Retirement Planning

CARES Act Highlights

Financial Advisor Compensation Models

Is Continuous Financial Planning for You?

SECURE Act: Retirement Plan Implications


Clients We Serve

High Net Worth individuals

high net worth individuals If you are paying the industry standard 1%+ AUM fee, we can help you significantly reduce that with our fixed flat fees.

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.

Engineers

engineers 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-Mid Career Families

building wealth 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.

More info at: Financial Planning

Business Owners

business owners 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

Faith-Based

faith-based
Pastors, Church Leaders, and Small Group Coordinators!

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

step families 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


Client Experience

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.


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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 also offer investment management services through sub-advisors First Ascent Asset Management, LLC and Lunt Capital Management, Inc., both SEC-registered investment advisor.

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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