• Services

If you open a Roth IRA with $1,000 today, and contribute $5,500 annually, you will have $1.5 million after 40 years with 8% annual return.

If you open a savings account with $1,000 today, add $1,000 every month for 10 years, you will have $126,000 with 0.80% interest.

Criteria

  • Open to all clients under age 40
  • No asset minimums – Whether you have sizable assets such as over $200,000 or have not begun saving
  • Most coaching accomplished virtually or on an as needed basis
  • Meetings – usually two per year either face-to-face or virtual
  • Once you have $250,000 in investable assets you will become an asset under management(AUM) client.

Pricing Packages

GOLD – Financial Planning Services
$100 monthly/$1,100 annually

DIAMOND – Investment Advisory Services plus Gold Package
$110 monthly/$1,220 annually

PLATINUM – Tax Services plus Diamond Package
$125 monthly/$1,400 annually

Financial Planning Services

Cash Flow/Debt Management

Creating and monitoring cash flow is a cornerstone of a solid financial plan. We will work with you to do the following:

  • Establish a budget and categorize current cash flows
  • Analyze and make recommendations, if necessary, to improve cash flow
  • Recommend and implement debt reduction strategies, if needed.

Insurance Planning

Insurance is an integral piece of a financial plan. Different products help to protect you and your loved ones against various hardships that are both predicted and unpredicted. We will work with your insurance agent or recommend a low load insurance company to help identify possible areas of exposure and reduce those areas. Common products and services include but are not limited to:

  • Life Insurance
  • Health Insurance
  • Auto Insurance
  • Homeowner’s Insurance
  • Exchange policies
  • Policy Analysis
  • Needs Analysis

Education Planning

With the cost of higher education continuing to increase, it is important to begin planning early for your children’s education. We will present and recommend different investment alternatives with you, and identify which opportunities fit best with your overall financial plan.

Retirement Planning

It is never too early to begin planning for retirement. We will assist you in developing a roadmap to a successful retirement as well as monitoring and adjusting the plan along the way. Setting goals for different milestones along your journey are a valuable tool in helping achieve the retirement lifestyle you envision. We will pull together all the pieces of your financial plan to analyze if you are on track and make any recommendations we see fit to increase your chance for success.

Estate Planning

No matter what stage of life you are in, a current and sound estate plan is a must. This allows you to maximize the value of your estate while also fulfilling your goals for your heirs. We will work with you to establish a sound estate plan by working with your attorney or recommending one. We believe our XY Now clients, at a minimum, should have the following basic estate planning documents:

  • Wills
  • Durable Power of Attorney
  • Medical Power of Attorney
  • Directive to Physicians

Investment Advisory Services

We believe each client’s financial plan requires a customized investment approach to help you meet your needs based on your goals and life stage. We will assist you in designing and monitoring your portfolio which could include individual brokerage accounts, 401(k) accounts and IRA’s. We also can manage assets in brokerage accounts and IRA’s through accounts held at our custodian.

Tax Services

Tax Planning*

Effective tax planning is a crucial component of your overall financial plan. Our goal is to provide you with sound and efficient tax planning. We are able to leverage the relationship with our affiliate, Keller and Associates, CPAs, to offer you top-notch tax planning strategies to ensure your plan remains efficient in the ever changing tax environment.

Tax Preparation*

Taking advantage of the relationship with our affiliate, Keller and Associates, CPAs, we can provide you with tax preparation services. Performing this service allows valuable insight in to your financial position and helps to identify further potential opportunities to enhance your overall financial plan. Additional fees may apply in regards to tax preparation.

*KMH Wealth Management, LLC is not a CPA firm.