Kring Financial Management, Inc. A Registered Investment Advisor

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Kring Financial Management, Inc. A Registered Investment Advisor

  1. 1. Kring Financial Management, Inc. A Registered Investment Advisor Building Wealth and Security
  2. 2. Wealth Management Philosophy <ul><li>Partnering with a professional independent advisor brings investors a number of benefits: </li></ul><ul><ul><li>Personal Approach – A process focused on individual needs, goals, and preferences. </li></ul></ul><ul><ul><li>Simplification – A myriad of choices and decisions are simplified with a process that brings discipline, and clarity. </li></ul></ul><ul><ul><li>Integrated Solutions – A focus on one’s entire financial situation results in a single, integrated strategy. </li></ul></ul><ul><ul><li>Informed Decision Making – Regular reports, check-ups, and periodic reviews to continue to meet evolving goals. </li></ul></ul><ul><ul><li>Objective Advice – Our independent and CFP ® requirements allow us to give objective advice in the best interests of our clients. Our relationship with you is about trust and integrity. </li></ul></ul>
  3. 3. Our Approach <ul><li>KFM uses a team approach </li></ul><ul><li>Coordinated Team Effort </li></ul><ul><ul><li>CFP ™ for Financial and Investment Strategies </li></ul></ul><ul><ul><li>CPA for Tax Strategies </li></ul></ul><ul><ul><li>Chartered Financial Analyst for Investment Strategies </li></ul></ul><ul><ul><li>Attorney for legal needs </li></ul></ul><ul><li>Registered Investment Manager for investment accounts </li></ul><ul><ul><li>Primary Financial and Investment Advisor: William Kring, CFP ® , registered principal, President, Kring Financial Management, Inc </li></ul></ul><ul><ul><li>Primary Client Support and KFM Trader: Steven Reents, Series 7 & 65 </li></ul></ul><ul><ul><li>Outside Team Advisors </li></ul></ul><ul><ul><ul><li>Primary Tax Advisor: James Ray, CPA, PFS </li></ul></ul></ul><ul><ul><ul><li>Primary Investment Manager: OMFM </li></ul></ul></ul><ul><ul><ul><li>Primary Estate Attorney: Tim Curtin, Esq. </li></ul></ul></ul><ul><ul><ul><li>Primary Business Attorney: Sidney Weinstein, Esq. </li></ul></ul></ul><ul><li>Conflict Free: KFM receives no fees or material consideration for referring clients to outside advisors </li></ul>
  4. 4. Our featured services <ul><li>Financial Planning </li></ul><ul><li>Retirement Planning </li></ul><ul><li>Education Planning </li></ul><ul><li>Tax Planning </li></ul><ul><li>Estate Planning </li></ul><ul><li>Small Business Planning </li></ul><ul><li>Insurance </li></ul><ul><li>Cash Flow Analysis </li></ul><ul><li>Investment Management </li></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  5. 5. Financial Planning Services <ul><li>Initial Financial Planning </li></ul><ul><ul><li>Comprehensive plan or limited areas of interest determined by client or business </li></ul></ul><ul><ul><li>Flat fee or hourly </li></ul></ul><ul><li>Ongoing Financial Planning </li></ul><ul><ul><li>Periodic reviews & recommendations </li></ul></ul><ul><ul><li>Flat fee </li></ul></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning Retirement Planning
  6. 6. Financial Planning Services <ul><li>Personal Solutions For Personal Needs </li></ul><ul><ul><li>Custom & evolving plans that change when your situation changes </li></ul></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning Retirement Planning
  7. 7. Retirement Planning Services <ul><li>Retirement services </li></ul><ul><ul><li>Retirement cash flow projections </li></ul></ul><ul><ul><li>What-if scenarios </li></ul></ul><ul><ul><li>Qualified plan retirement analysis </li></ul></ul><ul><ul><li>Investment review and recommendations </li></ul></ul><ul><ul><li>IRA’s - Traditional, Roth, rollover </li></ul></ul><ul><ul><ul><li>account setup and management </li></ul></ul></ul><ul><ul><li>Insured income streams </li></ul></ul><ul><ul><li>Wealth Preservation </li></ul></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  8. 8. Education Planning Services <ul><li>Education Funding </li></ul><ul><ul><li>Needs projections </li></ul></ul><ul><ul><li>Proper account selection, setup, and management </li></ul></ul><ul><ul><li>529, CESA, UTMA/UGMA </li></ul></ul><ul><ul><li>Investment recommendations </li></ul></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  9. 9. Tax Planning Services <ul><li>Strategies to reduce income taxes </li></ul><ul><li>Tax efficient investments </li></ul><ul><li>Matching capital gains with losses </li></ul><ul><li>Matching passive Income with passive losses </li></ul><ul><li>Minimize AMT </li></ul><ul><li>Tax deferred and tax-free investments </li></ul><ul><li>Tax credits </li></ul><ul><li>1031 Tax-free exchanges </li></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  10. 10. Estate Planning Services <ul><li>Estate preservation and transfer techniques </li></ul><ul><li>Taxable estate analysis </li></ul><ul><li>Gifting strategies </li></ul><ul><li>Family Limited Partnerships </li></ul><ul><li>Charitable Trusts </li></ul><ul><li>Business Succession </li></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  11. 11. Small Business Planning Services <ul><li>Incorporation </li></ul><ul><li>S-corp FICA/Retirement Leverage </li></ul><ul><li>Solo or small business 401k </li></ul><ul><li>Succession plans and exit strategies </li></ul><ul><li>Key-man insurance </li></ul><ul><li>Cash flow planning from business sale </li></ul><ul><li>On-site financial planning and education </li></ul><ul><li>Benefits planning </li></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  12. 12. Insurance Services <ul><li>Needs based approach </li></ul><ul><ul><li>Family protection </li></ul></ul><ul><ul><li>Business succession </li></ul></ul><ul><ul><li>Wealth & Estate preservation </li></ul></ul><ul><li>Solutions including </li></ul><ul><ul><li>Term </li></ul></ul><ul><ul><li>Permanent </li></ul></ul><ul><ul><li>Variable and Fixed annuities </li></ul></ul><ul><ul><li>Long term care </li></ul></ul><ul><ul><li>Disability Income </li></ul></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  13. 13. Cash Flow Analysis <ul><li>Determination of cash available for investment (periodic vs. episodic) </li></ul><ul><li>Allocation of cash for investments (qualified vs. non-qualified) </li></ul><ul><li>Emergency reserves </li></ul><ul><li>Establishing cash flow needs in retirement / required minimum distributions </li></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  14. 14. Investment Management Services <ul><li>Brokerage accounts with cash sweeps, check writing, SIPC protection </li></ul><ul><li>Over 4,000 retail and institutional mutual funds </li></ul><ul><li>No load mutual funds </li></ul><ul><li>Exchange Traded Funds (ETFs) </li></ul><ul><li>Online access with bill pay </li></ul><ul><li>Individually managed accounts </li></ul><ul><li>Alternative investments </li></ul><ul><li>Sector and style analysis </li></ul><ul><li>Periodic reviews </li></ul><ul><li>Fee or commission approach </li></ul><ul><li>Consolidated performance statements </li></ul>Cash Flow Insurance Estate Planning Tax Planning Education Planning Retirement Planning Financial Planning Wealth Mgmt Investment Mgmt Small Business Planning
  15. 15. Investment Management Process <ul><li>Five Step Process </li></ul><ul><ul><li>Define Objectives </li></ul></ul><ul><ul><ul><li>Personal profile and individual financial goals </li></ul></ul></ul><ul><ul><li>Set Asset Allocation Policy </li></ul></ul><ul><ul><ul><li>Set short and long-term asset allocation policy and Investment Policy Statement </li></ul></ul></ul><ul><ul><li>Implement Plan </li></ul></ul><ul><ul><ul><li>Identify and select best mix of investments with a top-down approach </li></ul></ul></ul><ul><ul><li>Monitor and Rebalance </li></ul></ul><ul><ul><ul><li>Periodic reviews </li></ul></ul></ul><ul><ul><li>Report the results </li></ul></ul><ul><ul><ul><li>Monthly, quarterly, annually </li></ul></ul></ul>
  16. 16. Investment Management Process <ul><li>Special Situations </li></ul><ul><ul><li>Hedging positions against: </li></ul></ul><ul><ul><ul><li>Concentrated stock ownership </li></ul></ul></ul><ul><ul><ul><li>Company Stock </li></ul></ul></ul><ul><ul><ul><li>Stock Options </li></ul></ul></ul><ul><ul><ul><li>Specific Industry </li></ul></ul></ul><ul><ul><li>Insuring death benefits and income streams in retirement accounts and rollovers* </li></ul></ul><ul><ul><li>Pension annuitization </li></ul></ul><ul><ul><li>Matching passive loss investments with passive gains </li></ul></ul><ul><ul><li>Tax loss harvesting </li></ul></ul><ul><ul><li>Exchange </li></ul></ul><ul><ul><li>* based on financial strength of insurance company </li></ul></ul>
  17. 17. Investment Management Process <ul><li>Your risk profile, objectives, and time horizon dictates investment choices </li></ul><ul><ul><li>Type of securities selection: </li></ul></ul><ul><ul><ul><li>Individual stocks and bonds </li></ul></ul></ul><ul><ul><ul><li>Mutual funds </li></ul></ul></ul><ul><ul><ul><li>Private equity </li></ul></ul></ul><ul><ul><ul><li>Private Reits </li></ul></ul></ul><ul><ul><ul><li>Institutional Management </li></ul></ul></ul><ul><ul><ul><li>Exchange traded funds </li></ul></ul></ul>

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