What We do
We plan and advise.
We listen. We ask. We educate and inform. We strategize and partner. We seek to understand your financial circumstances, your goals, and your risk profile.
Financial Planning is more than the active management of investments or creating a retirement plan or regular check-ups of a portfolio. We believe in planning for, and prudently addressing life events, whether you are buying a home, planning for a child’s education, preparing for eventual retirement, creating an estate plan, or preparing for Plan B.
Comprehensive Planning
All clients are different. We provide solutions for all areas of your financial life, ranging from investment planning to asset protection. We take a holistic and comprehensive approach because everything about your global financial life is important. It’s a customized process to you because success is not measured by performance relative to other managers, rather we measure success by helping you meet your life goals. Financial planning combines personal investment management, financial advisory, and planning disciplines directly for the benefit of our clients.
Income Planning
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.
We then implement your plan and coordinate with your CPAs, attorneys, and other advisors as appropriate. We continuously monitor your progress rebalancing of your investment strategy and recommend changes as needed.
Estate Planning
Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Helping reduce exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.
Retirement Planning
We will analyze your current situation and strategy, suggest a plan to address potential problems and point out areas of opportunity. We will engage in scenario planning, demonstrating how different situations and scenarios may positively or negatively impact your goals and objectives. We will develop a comprehensive strategy and recommendations aligned with your goals and objectives.
Tax Management
Helping make sure you don’t pay a penny more than the law requires. Looking for ways to reduce your current and future tax burden. Referring you to qualified tax specialists.
Risk Management
Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation.
Education Funding
Recommending investment and accumulation strategies to help you pay for your children’s education.
Call Kelm Financial Services Today!
Kelm Financial Services Inc. understands how important it is for you to be able to trust your CPA / financial advisor / attorney—particularly in the wake of recent, highly publicized corporate failures and investment management misdeeds.
Helping you keep together what you’ve worked so hard to put together through TAX BRACKET PLANNING & other Financial Strategies. It’s important to have a trusted advisor you can count on to give you the news straight and always look after your best interests. That trusted advisor is Kelm Financial Services Inc. We are experienced, responsive and understand your need for integrity and transparency.