Life Insurance
We start with a series of conversations to determine with time and dollar specificity, and in priority, your personal goals, evaluate existing investment assets, determine your risk tolerance, develop a strategic asset allocation strategy, engineer and draft your investment policy statement.
This document serves as your blueprint reflecting your needs, risk profile, and how we will allocate your assets between various investment classes. From the IPS, we will develop an investment strategy for you and your family based on our careful review of available investment options, taxation, costs, risk and expected return.
What is Indexed Universal Life Insurance?
Indexed universal life insurance is a universal life insurance policy that offers a choice between a fixed interest rate paid on cash values or a rate that varies depending on the movement of an index [...]
Policy Audit
Life Insurance for Estate Liquidity And Wealth Transfer.
Life Insurance Policy Audits
Life Insurance Policy Audits Unlocking the “Mystery” of life insurance: The majority of our prospective clients typically have some form of life insurance in place before we meet them. At Kelm Financial Services, we [...]
Life Insurance Beneficiary Mistakes
Overlooking details I’ve reviewed over two dozen life insurance policies this year. Aside from the big problems I currently see in cash value policies, the beneficiary designation is important because a mistake can be [...]
Call Kelm Financial Services Today!
At Kelm Financial Services Inc, we implement your plan and coordinate with your CPAs, attorneys, and other advisors as appropriate. We continuously monitor the progress rebalancing of your investment strategy and recommend changes as needed.
We’re prepared to work with you in the way that best serves your goals.
Providing cutting-edge financial planning solutions for Families and Business Owners since 1987
