As independent financial professionals, managing our clients' financial situations to help them target their goals is our top priority. We pride ourselves on our ability to craft the appropriate asset allocation, assess the need for insurance vehicles, assist with educational planning if needed, and more.
Our services are comprehensive, and we approach each facet of our clients' financial plans from a big-picture perspective before we recommend specific products. We've built a reputation for a hands-on consultative approach, without product or compensation bias. We begin our services with an initial complimentary consultation in order to decide whether or not our services line up with the client's needs. Below is a sample schedule.
Initial complimentary meeting: This meeting is an introduction to our sevices and to decide whether or not that service is right for you. If so, we begin identifying your tolerance for risk, time frame for reference, and areas of need. We gather profile information to begin the financial planning process.
Second meeting (2 weeks later): During this meeting, we collect your information in a detailed manner for us to analyze and identify areas for opportunity. We also gather statements and begin consolidating and organizing accounts.
Third meeting (2 weeks later): Once we have decided on location for accounts and investment vehicles to use, we begin the budgeting process in order to decide on the best allocation for discretionary income. We also begin the insurance analysis and underwriting process.
Fourth meeting (3 weeks later): By this meeting, we should have the underwriting decisions back, and we can make final decisions on insurance. We also begin the asset allocation process on work sponsored retirement plans and assets that we have consolidated and organized. We begin the initial presentation of your financial plan based on early decision making.
Fifth meeting (2 weeks later): At this time, we present a final financial plan as well as an action plan to follow. We set up meetings for review on a semiannual basis in order to stay on top of the changes and monitor progress.
KB Financial specializes in:
Budgeting and cash flow analysis
Savings goals analysis
Retirement plan administration
KB Financial offers access to the following products:
Fixed income/structured products
Education savings plans
Variable universal life
The products we choose are nonproprietary and are chosen based on the specifics of client needs. We use some of the following companies for insurance products:
Principal Financial Group