Your Fiduciary Financial Planner and Investment Consultant
What's New
Engineering Your Retirement Plan
Our latest publiction is "geared" toward the engineering or technically minded individual. Follow our practical guide to DIY or use us as a Retirement Planning resource. Download our complimentary Engineering Your Retirement Plan
Seminars and Workshops
We Are a Fiduciary Advisory Business
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.
Benefits of Kastler Fiduciary Financial Planning
Example Benefits:
- 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
- A written Plan with all your key financial documents in one place
- 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
Powerful Financial Planning Software
Client Experience
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!
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.
Read more about our client process.Our Financial Planning Philosophies
We believe that everyone should have access to professional quality financial planning advice at a fair price, regardless of income level or demographics.
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.
More on Financial Planning Insights
Our Key Client Segments
Business Owners and Executives
Business 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
Engineer pre and post-Retirees
Your 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. Download our complimentary Engineering Your Retirement Plan
and view our latest Retirement Insights
Families / Early-Mid Career
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.
Insights for Families
Our Investing Philosophies
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.
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 may include REITs, Commodities, and 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
