Retirement Planning
We start by learning about your goals and dreams, then compare them to your current situation. We then use proven financial strategies designed to meet your risk tolerance and protect you against market volatility. We know that everybody has a different financial picture, and different goals, so we never take a cookie-cutter approach. We take the time to fully understand your family's needs, budget, and concerns so that we can find the perfect fit for you. Planning for retirement, whether that's income needed now, five years away or 25 years down the road, is something each of us needs to consider. Making smart choices about how much money you save, and what retirement planning savings vehicles you use, can mean the difference between having the income you need in retirement to live the lifestyle you want, or struggling financially. We look at the big picture and offer a written retirement income plan that in many cases can include options for guaranteed retirement income as well as social security maximization.
Wealth Management
We can help with investment and wealth management through our unique partnerships with firms that specialize in portfolio growth and risk management. Our partners use advanced financial planning resources backed by a team of fiduciaries leveraging algorithmic technology to manage retirement and investment funds for clients of all economic backgrounds. Their service is to prioritize the financial goals of the client above all else. More than that, fiduciaries must make financial choices for clients that are solely in the interest of them and their beneficiaries. As such, every choice they help clients make needs to adhere to a couple of principles of conduct.
As fiduciaries, these advisors prioritize the client’s financial goals and help find ways to maximize their investments.
The goal of our fiduciary investment strategy is to provide tailored portfolios and advice to clients. As a result, all advisors collect information from their clients about their risk tolerance, time horizon, desired investment strategies, financial history, net worth, liquidity needs and other related factors. Using these insights, advisors will craft investment philosophies and strategies for clients on an individual basis, with all relevant information being updated at least every two years.
Life Insurance, Disability and Long Term Care
At KARLO Financial, we want to make sure you have all the information you need to confidently make the best decisions for your family. We partner with over 50 insurance carriers so we can provide you with a completely customized plan, providing the coverage you need. Whether you’re deciding between life insurance options, looking for mortgage protection, or considering final expense coverage, our advisors are here to help you decide which insurance plan best fits your needs, and is well within your budget.
Disability income insurance is a type of insurance product designed to help replace a major portion of your income if you were unable to work because of an illness or injury. For this reason, many people think of it as “paycheck protection.” Along with life insurance, disability insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.
Long-term care insurance is important because it helps pay for services like home health aides, assisted living, and nursing homes, which are often not covered by Medicare or standard health insurance. It protects your savings and other assets from depletion, relieves financial and emotional stress on your family, and gives you control over your care choices, like receiving care at home.
Legacy and Estate Planning
Our Legal partnerships can help you with these questions:
- Do I need a Will? Trust? Powers of Attorney? Health Care Directive?
- How can I avoid the cost and delays of PROBATE?
- How can I reduce Estate Taxes and leave more money to my loved ones?
- How can I protect my assets from the devastation of Nursing Home cost?
- Who will care for your underage children?
- How will you keep your heirs from frivolously spending his/her inheritance?
- Who gets your home, who inherits all of your bank accounts, who will get your assets?
- Can you avoid family arguments over your belongings and keepsakes?
- Who decides your healthcare or end-of-life decisions?
- Do's and don'ts for transferring your assets (including your home or farm to your children)
- The importance of having the right legal documents at the right time
Additional Services
The Infinite Banking Concept - (IBC) is a system whereby one becomes their own banker by growing their cash value inside a properly designed whole life insurance policy to create potential Tax Free wealth by borrowing against it to fund major expenditures, retirement, Debt Elimination or emergencies...
College Savings solutions for children and grandchildren
Health Insurance options and Medicare Supplement plans
About Us and our Partnerships
We are partnered with some of the top financial institutions in the country offering investment advisory platforms and wealth management programs to offer you the best solutions to meet your needs and goals! We can offer insurance and annuity products from over 100 of the top "A" rated companies to protect your assets, family, business and legacy. Our company has also partnered with a national network of attorneys and CPA's to help with Estate Planning and Tax advice.
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