Tim Kaley is an investment advisor representative of Gradient Advisors, LLC, an SEC registered independent investment advisor. His mission is to provide local families and businesses with innovative financial strategies and planning to help lead to financial clarity and security.
5-STEP NEW GENERATION RETIREMENT PLANNING
It wasn’t so long ago that retirement meant a pension and a gold watch, but today’s world looks much different than it did for past generations. With increased market volatility and fluctuating interest rates, generating retirement income can become more complex. Additionally, with the loss of pensions and the rising cost of health care, the burden of retirement falls heavier on the shoulders of individual Americans than it ever has before. But you don’t have to carry it alone.
The New Generation Retirement® system is a holistic approach to retirement planning. It consists of five steps that incorporate three hallmarks of our company: fiduciary, transparency and technology. Through this planning process, you’ll be confident that we’ve given careful consideration to asset allocation and risk, income planning, asset maximization, legacy planning and tax strategies.
Step One explains my role as a financial services professional and introduces The New Generation Retirement system.
Step Two encompasses detailed questions about your financial well-being. This begins with the Color of Money Risk Analysis and incorporates the elements of discovery and client feedback to approach your specific situation.
Step Three incorporates three hallmarks of our company: fiduciary, transparency and technology.
Step Four uses technology to determine if there are parts of your strategy that include creating new accounts or purchasing new financial products. We utilize forward-thinking technology such as electronically-generated and pre-populated forms with e-signature capabilities to make this process as easy as possible.
Step Five addresses your long-term success and incorporates adjustments as you deal with potential life changes or desired modifications. Helping you thrive in a new generation of retirement goes beyond any initial recommendation and is based on our ongoing commitment to your retirement goals and objectives.
Why choose Kaley Financial Group
The New Generation Retirement System is based on three hallmarks of our company: fiduciary, transparency and technology.
Fiduciary
Providing you with a fiduciary level of service means we are legally bound to always do the right thing for you and your family by only offering strategies that serve your best interest. Our commitment to you as a fiduciary is also an assurance to act with transparency throughout our relationship.
Transparency
Our commitment to transparency ensures that each step of our work together is recorded and that every document and report is easily accessible to you. This is visible through a strong foundation of technology.
Technology
The right technology can make managing and organizing your retirement an easier process. When you partner with our company, you receive access to Generational Vault – a secure online portal that allows you to easily organize, manage and access your financial life. Generational Vault serves as the vehicle to document and record our commitment to act as a fiduciary and be transparent throughout our relationship.
At Kaley Financial Group, LLC, we help our clients understand their Social Security benefits and when and how to file to help maximize their benefits.
There is a lot to know about Social Security, and the more you know, the better decisions you can make, helping to bring you just that much closer to maximizing your benefit. We will help you get the you can out of your benefit, so you can take one step closer towards the comfortable and happy retirement you have worked so hard for!
For many retirees, their Social Security benefit forms the foundation of their retirement income plan. In order to make sure you get the most out of your benefit, you should have a solid grasp on this complex matter.
We have put together an informative brochure that helps answer the following questions:
- What is your Social Security amount?
- When is the best time to start taking your Social Security benefit?
- Are there different options if you are married?
- Does earning additional income while you are on Social Security impact the value of your benefit?
- Do you pay tax on your Social Security benefit?
Please contact us to receive your report!
Kaley Financial Group, LLC, Timothy Kaley, and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions.
Our main objective is helping you accomplish your evolving investment aspirations and goals in today’s complex investment marketplace. The recommendations you receive are tailored to you and factor your risk tolerance, desired returns, time frame, and income specifications.
The benefit of asset maximization
Asset allocation is a management process that combines various asset classes (stocks, bonds, mutual funds, and more) into a portfolio. Asset maximization is a related strategy that layers in additional considerations, including lifetime after-tax income and the tax implications of generational wealth. Our confidence in this process, combined with our objective-driven management, make us a fit for those investing for retirement income. We’re also adept at focusing your assets to create a source of retirement income with moderate volatility and appropriate growth goals.
Asset maximization with a fiduciary
Advisors who are fiduciaries have an obligation to utilize products that are in your best interest. Therefore, we develop your personalized asset allocation model based on individual risk tolerance, objectives and financial needs. Using a disciplined investment philosophy and rigorous risk management, we focus on creating a portfolio to meet your individual goals. Diversification and asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment loss. Before investing, you should carefully read the applicable volatility disclosure for each of the underlying funds, which can be found in the current prospectus.
Strategic Alliances
Tim Kaley offers professional money management through various third-party money managers. One of his strategic alliances is with Gradient Investments, LLC (GI). GI is an SEC registered investment advisor firm offering clients over 20 proprietary portfolios. The portfolios are managed by their Senior Portfolio Manager, Michael Binger, CFA.
Binger is a regular contributor to CNBC, Fox Business, Forbes, The Wall Street Journal and has many other national publications.
Binger boasts over 20 years of institutional investment experience. Binger spent more than 20 years at Thrivent Financial where he managed numerous equity funds through various economic cycles.
This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.
Content provided by Gradient Investment, LLC an SEC registered investment advisor.
04/01/2021
03/09/2021
01/27/2021
01/11/2021
11/23/2020
10/29/2020
Content provided by Gradient Investments, LLC an SEC registered investment advisor. The information contained in these videos is for informational use only and should not be used as the sole basis for making an investment decision. Performance data quoted represents past performance; past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted.
Our business planning concentrations include:
• Asset Protection
• Risk Management
• Continuity and Succession Planning
• Business Owner/Key Executive
• Compensation and Benefit Planning
• Employee Recruitment and Retention Strategies
• Employee Incentive Plans
• Tax Reduction Strategies
• Non-Qualified Deferred Compensation Alternatives
• Supplemental Retirement Plans
• Exit Strategies
We can match your business’s needs with the strategies most capable of accounting for them. Let our services help to streamline yours!
Kaley Financial Group, LLC, Timothy Kaley and Gradient Advisors, LLC do not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we will partner with local CPA firms to provide tax services.
As an investment advisor representative, I provide advice about securities to clients for a fee. Investment advisors representative receive compensation for providing advice regarding various investment products. Investment advisor representatives are fiduciaries with an affirmative duty of ‘utmost good faith’ and full and fair disclosure of all material fact, as well as an affirmative obligation to employ reasonable care to avoid misleading clients.
As an investment advisor representative I strive to:
• Put your interests first
• Understand your specific financial situation
• Offer straightforward advice that reflects your long-term goals
We offer our prospective clients an initial complimentary risk assessment where we provide third-party analysis of their current investments, personalized income projections and ideas for immediate implementation. We look forward to our initial visit and finding out how we can help you get one step closer to your financial goals.
With the right plan, you can potentially earn money with your money through the use of fixed annuities* and life insurance. Our firm can help you create a dependable and sustainable source of retirement income to be used now, in the future or whenever you need it most.
We offer:
• Fixed Annuities
• Life Insurance
• Long-Term Care
• Health Insurance
• Medicare Supplements
As an independent insurance agent, we are able to shop dozens of insurance carriers to find the best rates and product solutions to fit your specific needs. We also offer complimentary reviews on your existing fixed annuity and life insurance contracts.
*Annuities are designed to be long-term investments. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuities are not guaranteed by FDIC or any other governmental agency. Guarantees are based on the claims paying ability of the issuing insurance company. Fixed Indexed Annuities are insurance products and not considered a security or investment. Some restrictions may apply. Call for specific details and availability.
Essentially, creating an optimal strategy for your legacy is more than just managing estate taxes … it’s about organizing your assets so they pass to your family, loved ones or a charity in the manner you wish. It’s about maximizing how much you leave behind, while still ensuring that your financial needs are taken care of for the rest of your life.
Establishing a Trust
In order to ensure your family receives the assets you have accumulated during your life, it’s critical to develop a legacy plan.
Regardless of how much money you have, we feel legacy planning is one of the best way to protect the financial interests of your family when you are no longer there to do so.
A trust is a key instrument to use during the legacy planning process because it can help you minimize your estate taxes and avoid probate. It could be worth a lot to you and your heirs to do a little planning ahead.
Keep Good Records
Another key facet of legacy planning is keeping good records, not just of your assets, but also of documents that describe your wishes. For example, not only should your will outline who you want to inherit your assets after you die, but also who you’d like to manage your finances or make medical decisions for you in the event that you are incapacitated. These documents are helpful because they reduce the time and expense of estate settlement, which makes it easier on your heirs.
If you have worked with someone in the past, and you THINK your legacy is properly structured, it may not be. It’s likely that your situation has changed dramatically since you last examined this part of your financial picture, and it’s important to make sure your plan still reflects the legacy you want to leave behind.
Kaley Financial Group, LLC, Timothy Kaley and Gradient Advisors, LLC do not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we will partner with local CPA firms to provide tax services.
Like your variable annuity,* every financial asset you have has a purpose and fulfills a need. But, since change is a part of life, it’s a good idea to revisit your variable annuity in the context of your current needs and situation. Does your variable annuity still fit your strategy? Is it time to consider making some changes to help keep you on the path to your retirement?
*Disclosure: Variable annuities are designed to be long-term investments and can involve charges such as administrative fees, annual contract fees, rider fees, mortality & risk expense charges and surrender charges. Fixed indexed annuities are designed to be long-term insurance products primarily designed for retirement income. Early withdrawals from an annuity may be subject to surrender charges and can impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of, or guaranteed or endorsed by any bank or savings association. When considering replacing or transferring out of an annuity it’s important to understand what costs may be incurred such as surrender charges and the loss of death and/or income benefits. The information provided is not a recommendation to buy, sell, or exchange, or replace any financial product, and it is recommended that you consult a financial professional before taking such action.
The Portfolio Analysis Review (PAR) process is a method of bringing your investments in line with your risk tolerance and ever-evolving goals. Just as an annual appointment with your doctor promotes physical health, reviewing your assets every year promotes financial health by helping to ensure your long-term investment goals remain in clear focus.
This is where we come in. The three-step process takes an inventory of your portfolio with a comprehensive, 360-degree approach.
The PAR process can provide answers to the following questions regarding your investments:
- How many brokerage accounts do you have at each custodian?
- How many positions do you own in each account?
- How much income do you receive from investments?
- How is your portfolio’s risk balanced with potential rewards?
- If you know the fees and expenses for your brokerage accounts, how could they affect your portfolio’s long-term returns?
The PAR process creates a detailed account of your investments while organizing your portfolio, which may make it easier to comprehend. Together, we’ll develop a plan for them to work in concert to help achieve your goals.