Blog
How Financial Advisors For Couples Can Include A Silent Partner
Over 40-plus years in financial planning, I noticed a common pattern with client couples: in meetings with advisors, one partner usually does most of the talking. The other sits back, nods in the...
How Might Declining Population Affect Your Social Security?
If you are under 50, will Social Security still be there when you retire? The answer starts with a number, 2.1, that demographers call the replacement rate. When women have an average of about 2.1...
The More Often You Check Your Portfolio, The More Volatile It Seems
On the last Wednesday in July, I got several phone calls from clients. On the last Friday in July, nobody called. Why the difference? On Wednesday, the S&P 500 dropped 1.52 percent and the...
Managing Money Responsibilities During Emotional Hard Times
A divorce. A house fire. A serious accident or illness. The death of a family member. Caring for elderly parents. Life events like these are some of the hardest, most emotionally draining challenges...
Small Steps Can Help Couples Begin Changing a Cycle of Money Conflict
A common pattern for couples who are trying to manage their spending goes like this: The partners sit down together, look at the numbers, lay out a spending plan, and agree on what has to change....
Trump Accounts: Take The Seed Money But Compare Other Options Before Adding More
The “Trump account” savings vehicles that were created as part of last year’s “Big Beautiful Bill” are now available. If you have children younger than 18, should you open one of these 530A accounts...
Corruption, Not Communism, Is The Real Threat To Economic Freedom
On July 3, President Trump spoke at Mount Rushmore, 25 minutes from my house. He warned of a resurgence of the “communist menace” in this country and called communism “a mortal threat to American...
The Real Winners In Online Betting Markets
Let’s start with the disclosure: I enjoy betting—though I’m too frugal to ever risk more than maybe 20 bucks. Recently I’ve wagered on World Cup soccer games, and I’ve admitted in previous columns...
Fact-Checking the Social Security Commissioner’s Email
A client called me last week wanting to know how to claim a $7,500 tax refund he thought he'd missed. His question was based on an email sent in early July to Social Security recipients from Frank...
Why Asking The Fiduciary Question Is No Longer Enough
“Find a financial advisor who is a fiduciary, someone legally bound to put your interests first.” I have made this recommendation many times over the years. Now, most financial advisors technically...
Financial Matchmaking: Why Potential Partners’ Money Beliefs Matter
For decades I have watched couples come undone over money. In many cases, red flags warning of money conflicts could have been identified long before they married. Such signals are not as obvious as...
Fourth-Ever Inductee: Rick Kahler Joins the Financial Therapy Hall of Fame
Kahler recognized for pioneering contributions to financial therapy as a co-founder of the Financial Therapy Association and the field’s first financial therapy workshop. RAPID CITY, S.D. — Rick...
Free Initial Consultation
Kahler Financial Group offers a free initial consultation with one of our skilled financial planners in Rapid City for retirement, businesses, investment, or personal wealth management. 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 note: At KFG we made a list of all of the things we do for our clients. We’re at 106 things so far . . .