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P ro m o t i o n
M
ost people above a certain age know that when
E.F. Hutton talked, people listened. But how
many people know why they listened to the
legendary stockbroker?
“His clients loved him because they got a check
every month and they had tax diversification and
better tax treatment,” says Kevin Brunner, who
still follows that model. “You earned a reason-
able rate of return, compounded every year. His
model gave them some consistency and some
certainty in retirement.”
As Brunner explains,“Retirement is all
about income.It’s not about assets,because not
all assets generate the same income.Retirement
is all about the efficiencies,safety and control of
the accumulation of assets and converting those assets into income.”
But focusing on assets rather than income is an error most
financial advisors make, Brunner says, because it’s in their vested
interest to do so, but not necessarily to their clients’ benefit.
“Most advisors’ products and services fit well into their
business model, but not necessarily so well into yours,” he
says. “Their entire focus is on whatever creates the most assets,
because they get a percentage of those assets. But that can put
you in a higher tax bracket, and it may not generate as much
income. There are assets that generate more income more
efficiently and more consistently. Whenever you are designing
income planning for a client you have to take all these things
into consideration.
“Together we can create the financial efficiency and
synergy needed to realize your goals.”
– Kevin Brunner, Brunner Financial & Insurance Solutions
Creating Efficiencies to Maximize
Retirement Income
Brunner Financial & Insurance Solutions
“My whole focus is on creating a guaranteed
lifestyle replacement at retirement,” Brunner says.
“It’s a simple model, but it works far better
than chasing returns. History is on my side.”
Focus on Small-Business Owners
Brunner Financial provides well-
rounded advice to individuals and couples
in Southern California,covering all aspects
of wealth accumulation,beyond just IRAs
and 401(k)s.But Brunner’s main focus is
on owners of small businesses with fewer
than 100 employees,plus medical practices
and professional service firms such as legal
and architectural practices.
“Unlikemostadvisors,Icansitdown
andreadaP&Landtellthemallkindsof
thingsabouttheirbusiness,”saysBrunner,
whohas25yearsofexperienceasabusiness
consultantand10yearsasafinancialadvisor.“I
speaktheirlanguage.Iunderstandwhatthey’regoingthrough.”Their
taxissues,henotes,areentirelydifferentfromthoseofacoupleonasalary.
Brunnertakesaholisticapproachwhenanalyzingabusiness.
“Wewillfindinefficienciesinthebusinessandrecapturelossesdueto
ineffectivebusinessstructuresandunnecessaryincometaxes,”hesays.
For example, he was able to help a small medical firm with
two doctors and five employees fund one-third of its retirement
plan by recovering losses due to unnecessary taxation and inef-
ficiencies in the corporate structure.
While an independent financial consultancy,Brunner Financial
works with a team of CPAs,tax attorneys and other professionals.
“Together we can create the financial efficiency and synergy
needed to realize your goals,” Brunner says.
333 City Boulevard West, 17th Floor | Orange, CA 92868 | 800-694-5133
brunnerfinancial.com | Kevin.Brunner@me.com
Kevin Brunner
FINANCIAL LEADERS
CALIFORNIA
• Financial Planning
• Estate Planning
• Investment Planning
• Retirement Planning
• Business Owner Planning
• Business Succession Planning
As Seen In… Forbes, May 4, 2015

3. Successful Retirement Strategies
There’s more to retirement planning than simply “the highest rate of return”. We provide a
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Remember the bear market of ’07 - ’09, when some investors lost between 20% and 40% of
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401k Plan
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The optimization of social security benefits. 1. What is your family history and longevity? What
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College Planning
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Financial Decisions After Loss of a Loved One
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