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Kastler Financial Planning

<h2>Visualize Your Retirement Possibilities</h2>

Advice Only Retirement Planning

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(248) 793-7314

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Home » Services

Services

Retirement. Planning. On-Going.

We Offer 4 Service Categories to Help you Now, and Throughout Your Retirement


Financial Planning

Initial Plan – Generally, for those that are in the pre-55 age group. Focus is on the wealth accumulation stage and retirement projections. Considerations include:

  • Cash Flow Analysis
  • College Planning
  • Risk Management
  • Portfolio Design

More information at: Financial Planning
and Step Family Financial Planning

Retirement Planning

Initial Plan – Generally, for those that are age 55 and up. Retirement Planning shifts from wealth accumulation to wealth distribution. Retirement Planning includes:

  • Income Planning, including Social Security Optimization
  • Retirement Scenarios (“what if” scenarios)
  • Tax-efficient Withdrawal Strategies
  • Tax and Estate Planning (financial planning aspects only)

More information at: Retirement Planning

On-Going Planning

Goes beyond the above Initial Plan creation and provides professional expertise to help execute and monitor the written plan. Clients with an On-Going services contract have a personalized service calendar providing financial advice throughout the year. Requires one of the above Initial Plans

More information at: On-Going Financial Planning

Plan Update

For clients that already have a written Initial Plan and want a yearly check-up a particular category of their Initial Plan. This is ideal if you just want your portfolio projections updated on a yearly basis. Requires one of the above Initial Plans

Services Fee Schedules

Planning Services


services



A Word on Fees


Financial planning fees may seem like a steep out-of-pocket cost just looking at the surface. There are several things to consider when you compare fee schedules:

  • In a 2019 study by the Financial Planning Association, the average cost for a standalone comprehensive financial plan was found to be $2,400
  • We keep our fees lower by using an all-digital (virtual) Client Experience for onboarding, Planning, and on-going services
  • Our deliverable is a written document created by a finance professional, not a salesperson
  • Understand the different Advisor compensation models here: Financial Advisor Compensation Models

 
If you are looking for a boutique firm that caters to a small number of clients, want a long-term relationship, and need help with those “retirement anxieties,”

Fee Schedule Disclosures

The Initial Plan pricing shown is the minimum basic one-time Plan creation fee. Additional items that may add cost to the minimum basic price include, but not limited to:

  • A significant number of accounts to analyze
  • Manual entry of account information (vs client performing account aggregation)
  • Other client-requested analyses such as small business modeling
  • Executive Compensation

 
For each add-on item, we will estimate an additional fee to add to the minimum base price. You will receive a written contract with all the services and fees identified before any work is begun.

Actual pricing for your project will be stated in a written contract that we jointly agree to before any work is performed.

Please note that we are not tax advisors or estate planning attorneys. We provide guidance in these areas but not specific advice. See your CPA for tax advice or your Estate Planning Attorney for legal advice.

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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 are an Advice-Only financial planning firm and do not offer investment management services as a percentage of your asset value.

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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