What does a financial advisor consider
when making a plan that’s in the best
interest of their client?
Once we fully understand your specific situation, we begin to build a plan to suit your needs. This includes asset classes which fall under five broad categories:
Initially, we identify a broad set of diversified asset classes to serve as the building blocks for your portfolio. Our approach also evaluates each asset class on its potential for capital growth and income generation, volatility, correlation with the other asset classes (diversification), and inflation protection.
Research¹ has consistently found the best way to maximize returns across every level of risk is to combine asset classes and allow individual securities to grow.
- Stocks
- Bonds
- Cash
- Alternatives
- Insurance/Annuities
Initially, we identify a broad set of diversified asset classes to serve as the building blocks for your portfolio. Our approach also evaluates each asset class on its potential for capital growth and income generation, volatility, correlation with the other asset classes (diversification), and inflation protection.
Research¹ has consistently found the best way to maximize returns across every level of risk is to combine asset classes and allow individual securities to grow.
Here’s a bit more on what we do.
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Wealth Management
Investing advice still means something in this crazy world of robot advisors and apps and near-constant information. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices. Retirement Income Planning
After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you can’t outlive or sets you on the path to a better retirement—one that maximizes the value of your assets to protect your family, and one that preserves your legacy for your beneficiaries. We help people with unique situations; we find financial solutions that fit their goals. 
Long-Term Care
We can help you navigate your questions when it comes to selecting the right long-term care plan for you and your needs. Or are you having to figure out how to pay for the unexpected extra expense or care for yourself or a loved one? Even if it’s “too late” for traditional long-term care coverage, we help you understand what your options are should your resources become depleted. Estate Preservation
Estate planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love. |
Education Planning
College is one goal people start saving for early, when they have young children in their homes. Or you may want to save money so you or your spouse can return to school. Whatever your goals, people often use a variety of tools, including 529 plans, to accomplish their education-related ambitions. And did you also know you might be able to use a 529 savings plan to save on taxes when paying tuition at a private K through 12 school for children in your home? Checking with an advisor is the best way to make sure you reach your education-related goals. Social Security Strategies
With our knowledge of Social Security, we can help you decide when is the right time to start drawing your benefits. Our goal is to assist you in maximizing your Social Security benefits, coordinate them with your spouse’s benefits, and help you fill the gap between your benefits and your overall retirement-income needs. Life Insurance Settlements
Life Insurance Settlements are often a misunderstood and underutilized alternative for clients. When a life insurance policyholder no longer wishes to maintain coverage, we discuss their options for releasing interest in the policy. No matter the reason for choosing to discontinue your coverage, if you are in a situation where you are reconsidering your current life insurance needs, we can help you maximize your potential resources. Business & Buy-Sell Planning
Business planning can be just as complex as estate planning, especially with multiple partners or family members involved. We help to navigate these challenges and to develop a succession plan for your business that meets your goals, and also protects your business and your family. Many of our clients own and run family businesses that they have built into their own empire. Let us help yours grow and run as efficiently as possible as well. |
¹ Markowitz, 1952; Sharpe, 1964; Brinson, Hood & Beebower, 1986; Brinson, Singer & Beebower, 1991; Ibbotson & Kaplan, 2000.
509.455.6911 | Ron@KFR.Today | Cassie@KFR.Today
104 S Freya Street, Green Building, Unit 311A, Spokane WA 99202
104 S Freya Street, Green Building, Unit 311A, Spokane WA 99202
Advisory Services offered through Change Path, LLC a Registered Investment Adviser. Change Path, LLC and Kincaid Financial Resources are unaffiliated entities.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.