Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.
We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.
Developing a workable spending planReducing or eliminating debtEvaluate mortgage strategiesIncreasing cash flow
Identifying family’s insurance needsEvaluating cost-effectiveness of current coverageProviding the protection for life and disabilityProviding long-term nursing home care
Establishing and analyzing investment objectivesDevelopment of a well balanced investment portfolioActive management and rebalancing of portfolios
Establishing realistic retirement goalsEvaluate current retirement resourcesDeveloping a workable retirement planImplementing retirement strategies
Determining methods of minimizing probate expensesEvaluating proper methods of holding title to propertyPlanning for proper distribution of family assetsReduction or elimination of estate taxes
Education savings planIRA, TSA, 401(k) and deferred comp (457)Rollover of retirement accounts
* These services are offered by John Banuelos, EA, CFP®, through his affiliaton with KMS Financial Services.
firstname.lastname@example.org | (559) 252-1474