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Our Process

A Proactive Approach to Building Wealth.

We at Kiss Financial Advisors take a comprehensive approach to financial planning and customize written plans for each client which incorporates income distribution, money management, insurance, taxes, estate-legacy, long term nursing-asset preservation and next generation wealth transfer planning.

How will you manage your taxes in retirement?

Taxes can affect many different aspects of your financial life, including your retirement income. The good news is that there are ways to minimize taxes even while retired. Your strategic tax plan will impact not only the amount of money you save on taxes in retirement but also your ability to reach your overall financial goals in retirement.

The experienced financial advisors at Kiss Financial Advisors work directly with your accountant and tax professional to help you develop the most tax-efficient strategy for withdrawing retirement income. Our ultimate goal is to ensure that your overall financial goals are met through strategic tax planning.

Do you have a plan for reducing taxes in retirement? It’s never too late to start. Contact us today to find out more about how strategic tax planning can help you save money on taxes in retirement.

What type of legacy will you leave?

At Kiss Financial Advisors, we understand that leaving behind a legacy is important to most of our clients. Our team of experienced financial advisors help develop strategic estate plans to ensure that you leave the legacy you want to leave.

Our team will start by helping you understand your current estate plan and how it works with the existing tax law. This will give you a better idea of how your assets will be distributed and how much will be taken out for taxes. Then, your Kiss Financial Advisor will work with your accountant, tax professional, and any other financial professionals to ensure that the value of your assets is maximized as they are distributed to your family and charitable organizations.

While your attorney will be the one to help you create fundamental estate planning documents such as wills, trusts, power of attorney, and health care proxy, we will be there to help you understand the complexities of each of your options. By maximizing the value of what you leave behind and minimizing taxes, you’ll be able to leave behind a powerful legacy for those you care about most.

Don’t wait to plan the details of your legacy. By understanding your options and how to maximize what you leave behind, you’ll enjoy the peace of mind in knowing that your legacy will continue to your loved ones. Schedule a consultation today to start your estate planning.

How will you sustain your income in retirement and not run out of money?

In today’s economy, the majority of the burden of creating retirement income is on the individual. With the phase out of corporate pensions retirees must figure out how to take their retirement accounts and turn them into a stream of income without running out of money.

The experienced financial advisors at Kiss Financial Advisors will help you understand your social security benefits and options and help you determine the best time to start taking the monthly income benefit. Our advisors will also help you determine which income investment strategies are most effective for you based on your current situation, timeline, and overall retirement goals.

Curious about your options for retirement income? Schedule a consultation with one of our financial professionals to better understand your options and determine the right fit for you.

Are you comfortable with your current investing? Do you sleep well at night?

No two individuals are the same and neither is how they invest. While some may be target growth, accumulation and leaving a legacy for their family, others strive for preservation of principal, spending and enjoying their saving throughout retirement.

No matter what your financial goals are for retirement, our team will help develop a tailored approach to investment management that helps you meet these needs. 

The team at Kiss Financial Advisors takes a balanced approach to investment management that is focused on the preservation and accumulation of wealth. Using a wealth of different investment strategies, our team considers your current circumstances, financial goals, and risk tolerance to develop an investment strategy that’s tailored to your needs.

At Kiss Financial Advisors, we take a long-term term approach to retirement income planning. Once we’ve helped you develop your retirement income plan and determined your investment allocation, we will then monitor and periodically review this plan with you to ensure that it is meeting your needs based on your retirement and legacy goals. As your goals or circumstances change or evolve, we will work with you to adjust your strategic investment plan to ensure that your needs are still being met. 

What are you waiting for? Our team is ready to work with you to develop an investment plan for you. Contact us today to get started.

Next Generation-Wealth Transfer

Once retirees have confidence in their income needs being met, they want to create a legacy plan. Legacy plans help clients formulate how they want to be remembered and determine how their wealth will have the greatest impact on their family and charities.

The new Secure Act which became law on January 1, 2020, has a significant effect on IRAs and the ability for retirees to pass on tax-deferred assets to their children. Instead of allowing the children to inherit an IRA from their parents and continue Required Minimum Distributions (RMD) other their lifetime, the new laws which pertains to IRA, requires IRAs to be withdrawn by the beneficiary with 10 years of the previous owner’s passing. This is commonly known as the IRA 10-year Rule. It is also possible to withdraw funds at a faster pace when you inherit an IRA, however depending on the inherited individual’s tax bracket it could create a large tax burden or move a client into a higher tax bracket.

Our Kiss Financial advisors work with our clients to look for opportunities to transfer funds out of IRAs and into tax-free programs that have the ability to leverage assets and minimize the tax burden to their beneficiaries.

Have you thought about transferred more wealth to your family tax free? Is your legacy plan leveraging your assets and minimizing the tax burden for your estate?

Ask us how we can help you pass on more wealth to your family and or charities?

Are you prepared for future long-term healthcare costs?

  • Over 50% of adults over age 50 say they would rather die than live in a nursing home, according to a recent poll from Nationwide Retirement Institute.⦁ Over 50% of adults over age 50 say they would rather die than live in a nursing home, according to a recent poll from Nationwide Retirement Institute.
  • Seven out of 10 say that one of their top fears in retirement is out-of-control health-care expenses.
  • Nursing home care in a private room is now more than $100,000 a year, according to Genworth Financial. 

At Kiss Financial Advisors, we want you to be prepared for every possibility. We know that preserving your wealth and leaving a legacy for your family is important to you. That’s why we want to make sure that you plan ahead for unexpected long-term healthcare costs. When meeting with your advisor, you’ll discuss your long-term care expectations and preferences.. Then, our team will help you decide the best ways to pay for these costs and preserve your assets before you need to use these funds for long-term care. 

Don't let long-term healthcare needs catch you by surprise! Work with one of our financial advisors to put a plan in place for your long-term healthcare needs without impacting your legacy.

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