“106 Things We Do” for our Clients

Financial Planning

1. Care more about you and your money than anyone who doesn’t share your last name.

2. Proactively adopt and implement a Fiduciary Standard in relation to you, your family, your assets, your financial future.

3. Ask questions to understand your needs and objectives.

4. Help you determine where you are at present.

5. Guide you to think about areas of your financial life you may not have considered.

6. Help organize your financial situation.

7. Formalize your goals and put them in writing for you.

8. Help you prioritize your financial opportunities.

9. Help you determine realistic goals.

10. Study possible alternatives that could meet your goals.

11. Make specific recommendations to help you meet your goals.

12. Implement those recommendations.

13. Suggest creative alternatives that you may not have considered.

14. Review and recommend life and other insurance policies to protect your family.

15. Assist you in setting up a personal or company retirement plan.

16. Assist you in devising a plan to protect your assets from being depleted by a judgement resulting from a frivolous lawsuit.

17. Perform a detailed analysis and recommend when to start taking Social Security benefits.

18. Address how much retirement income you can take from your investments without running out of money during your lifetime.

19. Assist in preparing an estate plan for you.

20. Review your children‘s custodial accounts and 529 education savings plans.

21. Help you determine your IRA Required Minimum Distributions.

22. Partners with you to accomplish doing the things you know you ought to do, and don’t feel like doing.


23. Prepare an asset allocation for you so you can achieve the best rate of return for a given level of risk tolerance.

24. Continuously researches and monitors money managers and mutual fund managers to insure the best fit for your investment needs.

25. Stay up to date on changes in the investment world.

26. Monitor your investments.

27. Review your existing annuities and similar deferred accounts.

28. Review your investments in your company 401(k), Simple IRA, or 403(b) plans.

29. Review your existing IRAs.

30. Review and revise portfolios as conditions change.

31. Guide you through difficult periods in the stock market by sharing historical perspective.

32. Improve your overall investment performance.

33. Look “inside” your mutual funds to compare how many of their holdings duplicate each other.

34. Convert your investments to lifetime income.

35. Help you evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds.

36. Help handle exchanges, tenders, and special stock dividends.

37. Help facilitate holding and warehousing mutual funds, stocks, bonds, and other securities.

38. Record your cost basis on securities.

39. Provide you with unbiased investment research.

40. Provide you with personal investment analysis.

41. Determine the risk level of your existing portfolio.

42. Help you consolidate and simplify your investments.

43. Provide you with alternative investment options.

44. Show you how to access your statements and other information online.

45. Provide access to low cost institutional mutual fund shares.

46. With 401k, 403b and 457 plans becoming more critical to our future financial viability, we can help you make appropriate, risk-tolerant decisions about which blend of investments in your retirement plan(s) might be appropriate for all your life stages.

47. Help you decide when to buy, when to hold, when to sell. By following tried-and true asset allocation processes, guided by the Nobel-Prize winning Modern Portfolio Theory, we can help guide you to the proper allocation of your financial assets throughout our time together.

48. Help you choose specific assets. By doing extensive research in the available financial assets (mutual funds, ETFs, stocks, bonds, etc.) we help you choose the appropriate assets for each class in your portfolio.

49. Help reduce management and transaction costs. We help you reduce mutual fund and ETF managerial and transactions expenses, allowing you to keep more of your money growing for you.

50. Help you understand and protect against risks. Help you reduce the potential impact of falling markets by integrating your risk tolerance, time frame and goals/objectives into a properly diversified portfolio across appropriate asset classes.

51. Evaluate new investment opportunities. When investment opportunities arise, KFG is already alert to the potential “fit” into your portfolio, following your stated risk tolerance and your goals.

Real Estate Investments

52. Help you understand real estate investments. Our 45 years of real estate experience means we understand even the most complex real estate investments.

53. Evaluate your existing returns on real estate investments, including returns on equity, capitalization rates, and IRR’s.

54. Help you decide when refinancing is in your best interest.

55. Walk you through the complexities of a 1031 tax deferred exchange.

56. Help you complete a 721-tax deferred exchange into an UPREIT when your situation warrants it.

57. Help you interview and select a competent real estate professional.

58. Help you understand the mechanics of valuating real estate and business opportunities.

59. Help you understand and negotiate condemnation proceedings.

60. Help you negotiate the minefields of a real estate offer in a timely manner.

61. Help you apply techniques and strategies for asset protection to real estate.

62. Can lower your risk of judgements attaching to your real estate investments from an unrelated and frivolous lawsuit.


63. Suggest alternatives to lower your taxes.

64. Review your tax returns with an eye to possible savings in the future.

65. Stay up to date on tax law changes.

66. Helpsyou reduce your taxes during working years.

67. Reposition investments to take full advantage of tax law provisions.

68. Understand the differences between various entities like S or C corporations, LLCs, FLPs, land trusts, and asset protection trusts.

69. Work with your tax and legal advisors to help you meet your financial goals. Person to Person

70. Monitor changes in your life and family situation.

71. Proactively keep in touch with you.

72. Remain only a telephone call, email, or text away to answer financial questions for you.

73. Serve as a human glossary of financial terms such as Modern Portfolio Theory, asset allocation, FLPs, P/E ratio, and asset class diversification.

74. Strives to drop any agenda of what you “should” or “should not” do and be an exquisite listener.

75. Provide referrals to other professionals, such as accountants, attorneys, lenders, bookkeepers, coaches, insurance agents, long term care providers, and a host of others.

76. Refer you to banking establishments for loan and trust alternatives.

77. Suggest alternatives to increase your income during retirement.

78. Listen and provides feedback in a way that a magazine or newsletter writer does not.

79. Share the experience of dozens of our clients (maintaining absolute confidentiality) who have faced circumstances similar to yours.

80. Help educate you, your partner, parents, children and grandchildren about investments and financial concepts.

81. Distributes and writes blog posts that discuss significant and/or new financial concepts.

82. Helps with the continuity of your family’s financial plan through generations.

83. Facilitate the transfer of investments from individual names to a trust, or from a trust or retirement plan to beneficiaries.

84. Keeps you on track to accomplish your most important goals and lets you know when modification is needed.

85. Identifies your savings shortfalls and excesses.

86. Identifies when you are overspending.

87. Develops and monitors a strategy for debt reduction.

88. Educates you on retirement issues.

89. Educates you on estate planning issues.

90. Educates you on college savings and financial aid options.

91. Is someone in whose advice you can trust in all your financial matters.

92. Is a wise sounding board for ideas you are considering.

93. Is honest with you, always.

94. Can become like a member of your “extended family”, a steward for the financial success of you and your family.

95. Helps bring you Peace of Mind by providing you a professional with whom to communicate – rather than casting about alone. KFG provides valuable reassurance during troubled times.

96. When a “change of direction” in your portfolio is indicated, KFG proactively recommends those changes. Without this objective intercession, would you have initiated these critical changes?

97. Provides you with an emotional firewall between you and the often-alarming media. You receive objective financial planning and investment advice, devoid of the frenzied stimuli of those not personally devoted to your long-term financial welfare.

98. Brings to your “table” extensive expertise, education and real-life experience, having worked with a wide array of clients with different objectives, risk tolerances, risk capacities and cash-flow needs. This depth brings to you an extreme “edge” over those who manage their own investments, make their own financial decisions from limited knowledge, or rely on sales/product-oriented brokers.

99. With educational and credentialed expertise in the top ¼% of advisors worldwide, KFG brings to the table sophisticated training, knowledge and skill to better help you save time, worry and money.

100. Coming under the oversight of the U.S. Securities and Exchange Commission, which regularly audits the operation of the firm, you have some better expectation that your advisor is following Fiduciary Standards.

101. During market corrections, KFG helps protect you against panic-inspired decisions…as well as irrationally optimistic expectations during bull market run-ups.

102. KFG can help you establish realistic investment objectives – and constantly remind (nudge!?) you toward these original goals and time horizons in both good and bad market periods.

103. Through one-on-one and group educational presentations, we can help you better appreciate how markets work, the value of diversification, dollar-cost averaging and many other financial concepts – both “old” and “evolving.”

104. Studies have shown that those who used financial professionals fare much, much better than those who either do it themselves or who use commission-driven brokerage services.

105. A financial planner who is a CFP® will bring to you a disciplined approach toward achieving your most important financial and life goals.

106. Actively involved in our profession, our Certified Financial Planners™ collectively belong to the National Association of Personal Financial Planners (NAPFA), the Financial Planning Association, and the Financial Therapy Association.