I am an Investment Advisor Representative with a fiduciary responsibility to serve my clients best interest. While we provide financial services and products, our main task is to establish our client's financial goals, and help them work towards their financial goals over a period of time. This process is typically performed by establishing a financial outline or structure, and then illustrating which financial investments should be chosen to work towards their financial goals. A good example of this is retirement planning. You may be an employee of a business that has a retirement plan, but are not quite sure of the funding vehicles available, which could be implemented to help you work towards your financial benchmark. On the other hand, you may an employer, or self-employed, and need assistance in establishing the
correct retirement plan to help you or your employees work towards your financial goals. There are several retirement plans, such as IRA, SIMPLE, 401(K), self-employed 401(K), defined benefit plans, etc. that may do a better job than another type of plan. Then, the question becomes how do you pick the right investments, such as mutual funds, individual stocks, savings accounts, annuities, real estate, hedge funds, and so on, to work towards your financial goals.
Another area of financial planning that many individuals are not aware of are methods of reducing taxes, providing for retirement, and paying for tuition, along with many other financial ideas.
Another topic that is not clear to many people is life, health and disability insurance. In our work, we perform a reconnaissance of all policies to establish the need for such insurance, and allow the client to know of any oversubscriptions, or a need to change the method of coverage to fulfill their financial obligations. In our experience we have found that not only are the wrong types and amounts of insurance held, but in some cases, the incorrect beneficiary has been named, and/or ownership.
Finally, our firm specializes in all realms of financial planning. We start at the beginning and look at the budgeting process. We then go on to review an individual's risk tolerance, time frame, and any other usual events that may take place, such as inheritance, health issues, etc. Over the years, the three most important aspects of financial planning, other than creating a budget, have been retirement planning, children's education, and financial well being. We process all aspects of financial planning from asset allocation to asset protection, to investments, to tax savings ideas, to proper wills and trusts. Your first consultation is complementary.
Securities and Advisory Services Offered Through Harbour Investments, Inc., a registered broker-dealer, member FINRA-SIPC.
Currently, Mr. Kaufmann is securities registered in: KY, AK, CO, FL, GA, IN, MI, NY, OR.
This communication is strictly intended for individuals residing in the states listed above, where this registered representative is currently licensed to conduct securities business. No offers may be made to or accepted from outside the specific states referenced.
