Tailored roadmaps to navigate every financial milestone
At Kissling Financial, our Planning Services bring every aspect of your financial life into one cohesive strategy. From daily budgeting to preparing for life’s biggest transitions, we deliver customized guidance you can rely on. Our team of Certified Public Accountants (CPAs) and Certified Financial Planners (CFP®) works together to ensure your plan adapts as your goals evolve.
Comprehensive Financial Planning
Build a unified financial roadmap
Our Comprehensive Financial Planning service weaves together every facet of your financial picture—cash flow, risk tolerance, legacy wishes, and more—into a single, actionable plan. Whether you are accumulating assets or drawing down in retirement, we make sure no detail is overlooked. Rely on our holistic advice, grounded in industry best practices, to help you pursue true financial confidence.
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The Kissling Financial Way
Estate Planning
Preserve your legacy, protect your loved ones
Estate Planning documents ensure that your assets transfer according to your wishes, while minimizing taxes and legal expenses. Key components include:
Last Will & Testament
Durable Power of Attorney
Health Care Proxy & Living Will
Revocable Trusts
We guide you through drafting, reviewing, and updating these instruments whenever life changes occur.
Insurance Planning
Safeguard against life’s uncertainties
Protect your family and your assets with a tailored insurance strategy. Our Insurance Planning covers:
Life Insurance using needs-based and human life value models
Disability Insurance to replace lost income
Long-Term Care solutions for aging and medical risk
Working with top carriers, we select cost-effective policies that align with your overall plan.
Budgeting
Take control of every dollar
Effective budgeting is the foundation of strong financial health. We employ zero-based and envelope budgeting techniques to allocate income toward expenses, savings, and debt reduction. You will also learn how to build and maintain an emergency fund covering three to six months of living expenses, as recommended by leading regulatory bodies.
Life Transitions
Navigate major life events with confidence
Marriage, divorce, career changes, inheritance, and other milestones demand financial recalibration. We revisit your plan at least annually—or whenever your circumstances shift—to keep you on track and to seize new opportunities as they arise.
Retirement Planning
Project, save, and optimize withdrawals
Retirement Planning is more than choosing investments. We model your future income needs, set savings targets, and craft withdrawal strategies that balance growth and preservation. Our approach helps you determine the ideal retirement age and portfolio mix to sustain your desired lifestyle.
Social Security Planning
Maximize your lifetime benefits
Social Security can represent a large share of your retirement income. We analyze spousal options, survivor benefits, and claiming strategies to help you capture every available dollar. Our detailed projections guide you to the claiming age that best fits your personal situation.
Tax Planning
Reduce liabilities, maximize wealth
Coordinated tax strategies are essential for preserving assets. We integrate Roth conversions, charitable giving, deduction timing, and other techniques into your plan. As CPAs, we leverage the latest IRS guidance and best practices to help you keep more of what you earn.
Regulatory Disclosures (FINRA & CRS)
Regulation Best Interest (Reg BI): We adhere to the SEC’s best interest standard for broker-dealers, ensuring our recommendations put you first.
Form CRS (Client Relationship Summary): A concise summary of our services, fees, conflicts, and disciplinary history is available on request or via our website.
