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How We Work

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

While our primary focuses are retirement income & distribution planning and college planning, we offer a breadth of services to help our clients reach their financial and life goals.

Enjoyable Retirement Solution-Retirement Income & Distribution Planning

Our Enjoyable Retirement Solution takes a holistic approach by evaluating your income needs, insurance considerations and lifestyle desires. Our proprietary analysis can offer you a unique report and will help you navigate through retirement by developing a plan that addresses:

  • Sequence of Return Risk
  • Inflation
  • Preservation of Principal
  • Social Security Claiming Strategies
  • Estate Planning
  • Longevity Risk
  • Long-term Care Costs
  • Taxes*

Wealth Planning & Investment Services

  • Complimentary review of existing investments
  • Aggregation of all your accounts to simplify and reduce paperwork
  • Development of a personalized plan and portfolio and continual monitoring of your investments
  • Review meetings to update your financial objectives and reallocate your portfolio if necessary

Estate Planning

  • Analysis of your current estate plan and potential tax liabilities
  • Assistance transferring assets to a trust if necessary
  • Review of beneficiary designations and titling of assets
  • Analysis of your insurance needs
  • Family meeting to educate the next generation
  • Attorney recommendations
  • Guidance in the event of the death of a loved one
  • Charitable giving

College Planning

  • Estimated Expected Family Contribution (EFC) Calculation and Evaluation
  • Estimated School Financial Aid Determination
  • School Identification
  • Cost Calculation
  • Admissions Trends
  • Free Application for Federal Student Aid (FAFSA) and CSS Profile Filing
  • Analysis/Comparison of Financial Aid Awards
  • Loan Guidance

Client Education

  • Weekly radio show on 1400 AM WOND
  • The Reich Report-Weekly column in The Current and Gazettes of Atlantic and Cape May Counties
  • Special reports on important topics
  • Quarterly newsletters to keep you apprised of the most current planning options
  • Client appreciation events

Insurance and Risk Management

  • Analysis of risks and development of plan to manage them
  • Wealth transfer plan
  • Analysis of long-term care needs
  • Disability income insurance evaluation

Contact us today to schedule a complimentary consultation.

*Neither Kestra IS or Kestra AS provide tax or legal advice

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | 609-486-5073