Investments

Kissling Financial Services, LLC specializes in the use of various investment ideas mixed with income tax strategies and estate and insurance services to provide a comprehensive wealth plan. We believe in Asset Class Diversification which ranges from the use of stock market, real estate, oil/gas, equipment leases and collateralized notes to name a few. Many of these investments have favorable tax advantages such as depreciation, deferral and other offsets. In our opinion, no comprehensive wealth plan can be complete with only the use of investments, but must also include estate planning as well as insurance planning. We incorporate all of these aspects in the Five-Step Financial Course to form a uniquely designed plan for our clients.

Retirement Planning

Retirement plans play a crucial role in providing a source of income later in life. People often find that planning for retirement is difficult to do. This is why it is important that you work with a professional to ensure that the planning you do will meet the needs of you and your family. With all of the different investment options available these days, it is important that you understand how each of them will affect your ability to retire comfortably. Today is the best day for planning your retirement. We would like to help increase your understanding of the following retirement plan components:

• Social Security Income,

• Non Qualified Plans,

• Traditional IRA,

• Inherited IRA,

• Roth IRA & Roth Conversion Strategies,

• SEP IRA's,

• IRA Rollovers and Transfers,

• 401(k) Plans,

• 403(k) Plans,

• 457(k) Plans,

• Qualified Plans,

• SIMPLE Plans.

Estate Planning

Estate planning helps to insure that your heirs, not the government, be the greatest beneficiary at the time of your death. Changes in estate tax laws add to the complexity, and often the confusion, when it comes to dealing with these matters. Planning your estate is a team effort between client, attorney and financial planner. Kissling Financial Services, LLC can help you assess your current estate value and illustrate how much will pass to your heirs and how much will pass to the government. Together, we can develop a plan based on what you wish to accomplish.

Financial Planning

All financial plans should be prepared in order to meet established objectives and priorities. We have found that individuals, regardless of income level or net worth, learn to make more informed decisions about their finances having a well-crafted financial plan. Our process begins with a review of a client's current financial situation. During the initial meeting relevant financial information is reviewed in detail and planning objectives, investment risk tolerance and priorities are established. A plan is then carefully constructed to meet the previously established objectives and will be reviewed periodically to make certain the plan emulates the client's needs and objectives as they change.

Portfolio Management

Successful investing in the stock market requires a significant commitment of time, energy and attention. While most investors manage their investments part-time, true Portfolio Management differs from this approach. Portfolio Management in reality means hiring a team who spend their entire careers researching the markets and managing portfolios

Insurance Services

An insurance program should be a part of every family's total financial plan. Before you can evaluate various insurance programs, you must understand the reasons for buying insurance and how to determine the amount and type of insurance you may need. We believe that insurance should be the foundation of financial security for you and your family.

Among our services are:

• Life Insurance Planning,

•Annuities,

•Disability Insurance,

•Long-Term Care.

Tax Solutions

At Kissling Financial Services, LLC we believe it is important to integrate tax planning with comprehensive financial planning. We offer a wide variety of tax preparation and planning services for individuals as well as businesses, budgeting and forecasting, life planning, business strategy development and small business solutions.