At KMWF Financial Services, we concentrate on your entire financial situation, in order to understand the big picture. We take the time to understand each piece of your financial situation and build custom solutions that work for you. Our approach to comprehensive wealth management starts with discovering the true desire behind your financial goals and finding lasting solutions that fit you.
We will help you understand your risk tolerance, continually determine your asset allocation needs, and recommend the appropriate investment vehicles to protect your wealth and reach your goals. Life is full of uncertainty, but the proper investment plan can help bring stability to your financial future.
We leverage our knowledge as CPAs and financial advisors to ensure your wealth management plan is operating in the most tax-optimized manner possible. This includes making sure that you don’t pay a penny more than the law requires, and looking for ways to reduce current and future tax burdens.
Asset and income protection includes strategies to shield assets from illness, taxation, and frivolous claims from third parties. Successfully planning for these potential events cannot be understated considering they affect other aspects of your planning process including investment planning and insurance planning.
Whatever your vision of retirement is, diligent and ongoing planning and goal setting are necessary for your retirement to live up to your expectations. We will help you make the most of your employer-sponsored plans, IRAs and other retirement vehicles to make sure your income is sustained during the time when you reward yourself for years of hard work.
Business & Succession Planning
Business owners have countless daily demands on their time. Additionally, they must save for retirement and plan for what will happen to the business when the owner retires. Whether it’s a buy-sell agreement between owners or an income preservation plan for your loved ones, our team offers comprehensive support for complex business planning including business formation, entity selection, and succession planning.
Estate & Gift Planning
We understand that designing your estate plan and defining your legacy is one of the most difficult and emotional components of your wealth management plan. Successfully planning the transfer of your wealth is critical to fulfilling the promises you’ve made in life. With our deep understanding of your total financial situation, we will work to minimize income and estate taxes and help maximize the financial opportunities you provide to your heirs and chosen beneficiaries. Together we will enable you to leave behind the legacy you desire.
Illness and injury can happen to anyone. In fact, a person has a one in four chance of becoming severely ill or disabled. If you’ve planned for the possibility of this fact, when was the last time you reviewed your plan and does it take any recent life events into account? As life changes, so do your insurance needs and the strategies needed to protect your lifestyle and your family.
Considering that education costs increase yearly, your children’s education – as well as your current and future lifestyles – depend on the wealth you build up now. It is important to regularly review your specific goals and actively plan for education costs.
Special situations are any types of events that forces dramatic and sweeping changes. These can include marriage, divorce, birth, death or a large inheritance. These events can affect your estate plans and investment strategies. Each member of our team is prepared to guide you through these situations to make sure you are prepared.
We understand that fulfilling your philanthropic passions can be one of the most emotional and impactful parts of a plan. With our deep understanding of your total financial situation, we will work to maximize the financial opportunities you provide to chosen beneficiaries and the charitable organizations important to you.