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

The questions answered may be limited by time constraints of the meeting

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

EXTENSION OF BASIC REVIEW

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.

This service provides a deeper analysis of your investment portfolio.

 

 Covers multiple areas of concern and includes implementation. 

Assets allocation​

Investment implementation

 

Tax planning 

Estate planning 

College education planning 

Insurance planning

Cash flow planning

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.

A Cash Flow Review

A Review Of Assets

Development Of Strategies To Achieve Short & Long Term Goals

Paying Off Debts

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

Saving For Retirement

Home Affordability

College Savings For Public Schools

Life Insurance Needs

Investment Advice For Non-Retirement & Retirement Accounts

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

 

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.

Higher levels of income

Many types of investment accounts

Higher assets spread over many accounts

Complex tax situation

Multiple rental properties

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