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FINANICAL PLANS & REPORTS
KILCREASE FINANCIAL, INC IS A FEE-BASED FIRM THAT CHARGES BOTH FEES AND COMMISSION BASED ON THE PRODUCTS OR SERVICES WE SELL OR RECOMMENDED FOR YOUR NEEDS. THE PLANS BELOW ARE FREE TO CLIENTS THAT CHOSE TO DO BUSINESS WITH US OR IS CHARGED A SET FEE FOR A FINANCIAL PLAN OF THEIR CHOSEN US FOR ONLY THEIR FINANCIAL PLANNING NEEDS. FEES ARE DETERMINED BY CASE BY CASE BASIS AND IS DETERMINED BY THE AMOUNT OF TIME PUT INTO THAT ONE PROJECT OR REPORT.
WE OFFER AN FREE CONSULTATION TO DETERMINE WHAT YOU ARE NEEDS ARE AND IF ANY FEES MAY APPLY TO YOU!
INCOME PLANNING
know your income numbers before you retire or even if you lose your spouse.
INVESTMENT RISK
LEARN IF YOU ARE IN THE RIGHT INVESTMENTS AND LEARN YOUR RISKS
TAX PLANNING AND STRATAGIES
LEARN NEW TAX STRATEGIES AND SAVE ON TAXES BY MOVING THE RIGHT MONEY AT THE RIGHT TIME
SOCIAL SECURITY TIMING REPORT
Analyze – Using software, we analyze hundreds of possible election
strategies and identify the one that offers the highest lifetime value.
Integrate – We examine your optimal Social Security election strategy
in light of your other assets, income streams and goals to identify
potential conflicts. We’ll help you match your Social Security decision
to your overall plan.
Identify Alternatives – When conflicts exist due to asset structure or
income needs we will identify alternative Social Security strategies.
Present – Provide a report comparing best, earliest and alternative
strategies for your consideration.​
Plan A BASIC REVIEW ( 2-3 Hour Meeting)
Typically focuses on one area of concern
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The questions answered may be limited by time constraints of the meeting
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Often includes creating an INCOME PROJECTION
Plan B PORTFOLIO REVIEW (2-3 hour Meeting)
Analyze portfolio after the meeting and make specific recommendations
MAY INCLUDE A FOLLOW-UP MEETING
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EXTENSION OF BASIC REVIEW
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INCLUDES PORTFOLIO EVALUATION AND INVESTMENT RECOMMENDATIONS
PLAN C FULL REVIEW (2-3 HOURS)
Typically covers retirement concerns, or clients with multiple areas of concern, such as retirement planning and portfolio allocation.
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This service provides a deeper analysis of your investment portfolio.
Covers multiple areas of concern and includes implementation.
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Assets allocation​
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Investment implementation
Tax planning
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Estate planning
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College education planning
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Insurance planning
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Cash flow planning
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PLAN D JUST STARTING OUT PLAN (8 HOURS)
Starting out plans are typically for people who are just starting out in a career or are just beginning to save and think about retirement.
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A Cash Flow Review
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A Review Of Assets
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Development Of Strategies To Achieve Short & Long Term Goals
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Paying Off Debts
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Basic Investing Advice
PLAN E FAMILY STARTING PLAN (8-12 HOURS)
Family starting plan expands on the just starting out plan with more attention to areas such as
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Saving For Retirement
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Home Affordability
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College Savings For Public Schools
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Life Insurance Needs
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Investment Advice For Non-Retirement & Retirement Accounts
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Disability Insurance Needs
PLAN F PLANNING FOR RETIREMENT (12-16 HOURS)
PLANNINg FOR RETIREMENT requires more specialized knowledge in areas such as:
Equity Compensation (Stock options and awards for example)
Private School and College Funding
Early Retirement Planning
Rental properties
Retirement Distribution Strategies & Taking Required Minimum Distributions (RMD’s)
Social Security Maximization
Long Term Care Planning
Pensions and Annuities
Consolidation of Non-Retirement & Retirement Accounts
Special Income Situations
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Review of Existing Term Life Insurance In The Context of Survivor Needs
PLAN G RETIRED NOW PLANNING (16-24+ HOURS)
This plan requires the coordination of many moving parts and because of the complexity level requires more time.
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Higher levels of income
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Many types of investment accounts
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Higher assets spread over many accounts
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Complex tax situation
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Multiple rental properties