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Financial Planning

At KAC Financial Services, we are committed to developing a holistic LIFE PLAN for you. This means reviewing every aspect of your financial status as described below, with each one impacting your overall quality of life. We’ve worked with various people and industries from doctors, lawyers, tradesmen, office workers, to oil and gas workers. Each of these characters has a unique story, but they all have one common need… to successfully prepare for their financial success!

Besides offering these services, we consult with other trusted and qualified professionals like CPAs and estate planning attorneys. This enhances our knowledge, ensures that nothing is overlooked, and enables us to review the areas that matter most to you.

Comprehensive Financial Planning

  • Pre and post-retirement planning
  • Maintainable withdrawals procedures
  • Personal income statement/net worth review and update(s)
  • Estate planning and wealth transfer strategies
  • Business succession and tax minimization planning
  • Income tax projections
  • Long-term care, disability, health, and life insurance analyses

Portfolio Management

  • Fee-based portfolio management
  • Counseling on traditional asset classes (stocks, bonds, mutual funds, etc.)
  • Guidance on non-traditional assets like private equity or real estate investment trusts
  • Risk tolerance assessments and adjustments 
  • Strategic and tilt portfolio rebalancing
  • Tax-efficient investing
  • Asset allocation review

Estate Planning & Trust Services

  • Revocable/Irrevocable trusts
  • Grantor annuity trusts and grantor unit trusts
  • Irrevocable life insurance trusts
  • Charitable remainder and lead trusts
  • Gifting strategies like donor-advised funds along with cash and non-cash donations
  • Generation-skipping tax avoidance strategies
  • Health care directives, powers of attorney, and ancillary estate plan documents review

Business Planning Consulting

  • Best ways to invest funds from selling a business
  • Key person and general employee life insurance
  • Business incorporation structure recommendations
  • Employee benefit plans (Including 401k/Retirement Plan as well as Life, Disability and Long-Term Care insurance)
  • Deferred compensation and other highly compensated employee retirement plans
  • Succession strategies

Retirement Plan Services

  • Self-Directed IRAs (Traditional, Roth, and Roth conversion analysis)
  • Simplified employee pensions and Keogh plans
  • SIMPLE IRA plans for small businesses
  • 401(k), 403(b), pension, and profit-sharing plans
  • Guidance on employee retirement plan investment options and asset allocation programs
  • Distribution planning for both lump-sum and periodic timing options
  • Navigating both individual and corporate retirement plan rules to keep them up to date with compliance standards

Encompassing Asset Management

  • Money market with check writing
  • Access advanced technology like secure online client portals and paperless statements
  • Visa debit cards
  • Private credit line (based on credit, margin securities, and other factors)
  • Automatic bill payment
  • Direct deposit 
  • Planning for important life purchases like weddings, vacations, higher education, and buying or selling residential property (includes consultations on 1031 exchanges)

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.