Kring Financial Management was approached by an individual with income that exceeded his family's current needs. He wanted advice on developing a more effective strategy for accumulating and managing those assets, and became a Kring Financial client.
Utilizing their proprietary KFM DiscoverySM process, Kring Financial was able to review the client's goals and objectives which highlighted a number of deficiencies in the client's then-current investment strategy:
After advising the client and adopting a more realistic set of goals and expectations, Kring Financial implemented a custom asset accumulation solution that included asset classes from three of the KFM GuardrailSM investment strategies. The solution lowered overall risk while providing an opportunity for better return. The cost of the investments was also reduced through lower fees and expenses. Results were then tracked on a quarterly basis, with review meetings to discuss ongoing enhancement opportunities.
Kring Financial was approached by a couple concerned they were not saving enough money for retirement. Based on their current investment portfolio and retirement savings options, they did not know when or even if they would be able to retire. They were seeking answers, and looked to Kring Financial Management for assistance.
Kring Financial completed a KFM Retirement Readiness AssesSMent, which tests the probabilities of success for a variety of different retirement investment strategies. The AssesSMent revealed that the client's current retirement savings strategy offered a very limited set of investment options. The client needed a more diversified portfolio, and an accurate projection of retirement assets and income.
Kring Financial Management was approached by an individual facing a major life milestone. His investment strategy had shifted from asset accumulation to asset preservation. His goal was to live comfortably and still leave money to his children, so he became a Kring Financial client to develop a personal investment roadmap.
Utilizing their proprietary KFM DiscoverySM process, Kring Financial analyzed the risk in the client's portfolio. They determined:
Kring Financial introduced the client to a new GuardrailSM strategy focused on risk protection. They designed a new custom portfolio with projections for increasing net worth, while still incorporating necessary withdrawals. Kring Financial also implemented a Roth IRA conversion, reducing mandatory distributions so more tax-fee money would be left to the client's children.
Kring Financial was approached by a couple who were about to retire. After spending many years successfully accumulating assets, they were concerned about generating enough income to meet their retirement goals. They were also concerned that interest rates and inflation would erode their purchasing power over time. The couple needed a professional plan, so they became a Kring Financial client.
Kring Financial analyzed the net income from the current portfolio and identified several opportunities for improvement. The client's investment strategy needed to shift from taxable income to net after-tax income, while shifting a portion of assets into investments that could benefit from inflation.
Kring Financial was able to effectively increase the net after-tax net yield projections by reallocating assets and incorporating tax-advantaged and tax-free GuardrailSM investment options. With all portfolio changes in place, Kring Financial developed a new cash flow model that provided the client with the extra retirement spending power they required.
Kring Financial was approached by a couple who were about to retire. After spending many years successfully accumulating assets, they were concerned about generating enough income to meet their retirement goals. They were also concerned that interest rates and inflation would erode their purchasing power over time. The couple needed a professional plan, so they became a Kring Financial client.
Kring Financial analyzed the net income from the current portfolio and identified several opportunities for improvement. The client’s investment strategy needed to shift from taxable income to net after-tax income, while shifting a portion of assets into investments that could benefit from inflation.
Kring Financial was able to effectively increase the net after-tax net yield projections by reallocating assets and incorporating tax-advantaged and tax-free GuardrailSM investment options. With all portfolio changes in place, Kring Financial developed a new cash flow model that provided the client with the extra retirement spending power they required.