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Fee Only Financial Planning

Financial Planning

You Are A Client – Not A Customer

As a client-centered, fee only registered investment adviser, Kahler Financial Group is required and committed to a higher level of fiduciary responsibility to you (our client), than is the traditional brokerage firm. Traditional brokers rely on commissions from the sale of investment products to you (the customer) for their compensation. At Kahler Financial Group, you are our client and we are your advocate.  Our legal and fiduciary duty is to place your interests ahead of all others. As fiduciaries, our professionals are not salespeople. At a traditional brokerage firm, you are a customer. The broker’s fiduciary duty is to his employer and not to you.

We receive no commissions on any product recommendations and no compensation from third parties, such as mutual funds or insurance companies. As client-centered, fee-only advisers, we disclose potential conflicts of interest — KFG works solely in your best interest.

Financial Solutions, Not Products

The term “financial planning” means a lot of things to a lot of people. 

The term “financial planning” means a lot of things to a lot of people. To many, it is merely a facade for selling investment and insurance products. Because we are free of the conflicts inherent in selling products, we are free to focus on your whole financial well-being. We tend to be much more technical and research driven in our approach to financial planning.  We analyze and give solutions to areas of your financial life that are routinely excluded from the services of advisers compensated by commissions.  To us, financial planning means helping you make sound financial decisions that support you in living a fulfilling and anxiety-free life.  We accomplish that goal not by over-focusing on investments, but actually  giving you tools and information that help you make wise financial decisions.  We offer you the benefit of our 35 years of  insights, wisdom, and solutions derived from our financial planning experience. Our only obligation is to work in your best interest, just like your attorney, physician, or accountant.

Whether you are a busy professional, a successful business owner, or retired, Kahler Financial Group is your personal Chief Financial Officer. We work to ensure your success, organizing your financial affairs to hold you accountable to your best intentions. We help you exercise good judgement in the face of imperfect knowledge.

 

Who Needs A Financial Planner?

Almost everyone can benefit from having a financial advocate in their corner. Our specialized skills are specifically focused on giving financial planning services, investment advice, and financial therapy to business owners, professionals, and retirees.  Some of the reasons that people initially seek our  help include the sale or purchase of a business or real estate, a pending retirement, receiving an inheritance, an insurance settlement, change in health, investment losses, a marriage or divorce, or the loss of a spouse or parent.

Surveys show that most people benefit from financial planning. In 2010, the Financial Planning Association and Ameriprise surveyed over 3,022 people who had either an income or investment net worth greater than $50,000. Those with plans were more confident in their financial futures (49 percent, versus 25 percent of those without plans). They felt prepared for retirement (42 percent of people versus 16 percent). They felt more in control of their financial future (50 percent versus 29 percent).

What Training Do Kahler Financial Group Advisers Have?

It's easy to set up in business as a financial planner. About all it takes is printing some business cards that say you are one. Becoming a Certified Financial Planner®, however, requires investing in a substantial amount of education and making a long-term commitment to our clients and our profession. Anyone looking for financial advice should seek out professionals who have earned the right to put CFP®after their names.

However, at Kahler Financial Group you get even more than a CFP® professional. Many of our financial advisers also obtained master's degrees in financial planning, investments, or finance. They’ve received even more specialized training in finance, real estate, asset protection, investments, and appraisals of real estate and businesses. They hold additional designations in these areas of specialty including the ChFC® ,, GAA, and CCIM® designations.

Continuing Financial Education

For each of the above designations, as well as for Kahler Financial Group’s membership in NAPFA and the FPA, certain Continuing Education requirements must be met. Continuing Education keeps our advisors current and continuously exposed to innovative financial ideas and solutions. Our advisors not only meet the minimum requirements to maintain our professional designations, but we regularly far exceed them.

What Does A Financial Planner Do?

Most people think of a financial planner as someone who will help them design a coherent investment strategy. While that is certainly what we do for most of our clients, it is only a fraction of everything we do.

We also help our clients with becoming financially independent, designing tax strategies to lower their tax bite, planning how they want to distribute their assets upon death, determining appropriate types and amounts of insurance coverage, protecting their assets from frivolous lawsuits, managing their cash flow, and improving their relationship with money.

Free Initial Consultation

Kahler Financial Group offers a free initial consultation. We welcome the opportunity to spend time with you, discussing your individual needs, asking and answering questions, reviewing our unique services, and confirming that KFG is the best fit for helping you achieve your financial goals. Please note that there will be no specific investment or financial planning advice given at this meeting.

Please let us know when we can be of service to you.