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Financial Planning

Making Dreams Attainable With Comprehensive Planning

If you choose to employ us as your financial planner, we will work together to design a financial roadmap to help you as you strive to reach your financial goals and objectives. By assisting you in developing and implementing your personal financial plan, true control will take place in your financial life as you get closer and closer to reaching your ultimate life goals. 

Our Approach

Financial Planning is a series of steps taken in order to help you accomplish your goals. We will first gather and analyze data about your income, expenses, taxes, insurance coverage, retirement plans, wills, trusts, investments and other information pertinent to your overall financial situation. We will help you set realistic goals, prepare a list of recommendations and alternate strategies for achieving them. Each strategy will be recommended in the context of other strategies to achieve a coordinated overall result. Once you decide which recommendations to follow, we will help you implement those decisions and continue to review and revise the plan, if needed.

Investment Planning

In the investment planning process, we begin by focusing on your unique situation and goals, risk tolerance and income tax considerations. Next, we seek to diversify investment assets into different asset categories. Investing is an interlinked component of financial planning. Among other things, your investment plan should outline your investment goals, minimum level of return needed to achieve those goals, types of investments you will and won`t include, what portion of the portfolio each investment will compose, timeframe the assets will be in the portfolio, and what portion of the investments need to remain liquid. Diversifying and investing regularly (dollar-cost averaging), can potentially help you earn a reasonable return over time. Periodic investment plans do not assure a profit or protection against loss in declining markets. Dollar-cost averaging involves continuous investment in securities regardless of fluctuating price levels. Investors should carefully consider their financial ability to continue their purchases through periods of low price levels.

Risk Management

In an attempt to identify and uncover financial risk for your particular situation, we address the area of insurance if there is a need to transfer risk to someone else. This process involves determining the amount of need and then deciding among a multitude of competing policies and companies to transfer the risk to. If you haven`t examined your protection plans recently, they may no longer be meeting your needs. Your financial circumstances may have changed, or perhaps you have too much protection. Insurance should be used to cover only those significant risks to your person, to your property, and to your assets that you cannot sufficiently avoid, reduce, or self-insure. Sometimes it is not a question of having enough, it`s a question of having the right kinds.

Business Planning

At Kendrick Group, we understand the needs of the business owner and will show you how to make optimal use of your time and your money. Our services are designed to help you achieve both your personal and business objectives, protect the equity in your company, reduce your tax liability, increase your benefit dollars, preserve your estate and attract and retain employees. We help business owners develop sound business strategies in business asset management, business continuation, employee benefits, and executive benefits. To support these considerations, we use a wide range of products and services to help you meet your needs through, business continuation plans, retirement plans, group insurance plans, executive benefit plans, investment strategies, financial education for employees, and employee benefit communication required by ERISA section 404(c). Whatever the life stage of your business, we are here to address your business financial planning concerns.

Estate Planning

KG provides advice in the estate planning area by determining your current estate liquidity and estate tax obligations. We will make recommendations regarding the basic structure of your estate and how you may maintain liquidity and reduce your estate tax burden in the future. Should the need arise for management of your estate in the event of death, we will assist your heirs in accordance with your instructions and our knowledge of your financial plan. Anyone who owns assets has an estate. Congress continues to target estates as a source of revenue. Whether your estate is small or large requiring complicated trusts, family partnerships and gifting programs, you should develop an estate plan to ensure that your current and future assets will be distributed to your beneficiaries with maximum ease and minimum costs. Remember if you haven`t prepared your own estate plan, then the government will dictate a plan for you when you die - one that you and your beneficiaries may not prefer.

Tax Planning
Retirement Planning
Education Planning
Planned Giving



"It is not what you accumulate that counts. It`s how you give away yourself. Life isn`t a collection. It`s a celebration." - Denis Waitley

Contact  |  1-800-542-4916   |   Financial Plan    |   Portfolio    |   Legacy Score
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