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Investment Management & IRA Rollovers

What do I do with that 401(k), deferred compensation, pension or savings from my old place of employment?

When you leave your place of employment, you have the option to take your money out of their 401(k) plan. However, if you were to take it and put it in a regular bank account, you would lose all of your tax benefits, plus you could owe early withdrawal penalties.

A rollover IRA is a retirement account that you create to receive money from 401(k) or other employer-sponsored retirement plan accounts. It lets you preserve the tax-deferred benefits of the retirement account, and it can offer more flexibility than most 401(k) retirement plans in letting you manage your investments. Done correctly, the rollover transaction lets you avoid having to include the amount you move from your 401(k) as taxable income, prevents you from having to pay a 10 percent penalty if you’re younger than age 59 1/2, and preserves the tax deferral from the original account.

Call us today at 937.390.8750, and we will help you get started on your rollover.

Risk Management & Protection

The word “risk” takes on many different meanings in the financial world. Market risk, interest rate risk, inflation risk… the list goes on. But perhaps the most important use of the word is in your own personal risk tolerance. How much risk are you willing to take to reach your savings goals? What’s your take on risk vs. reward? Are you and your partners’ risk tolerance on the same page?

We’ll help you answer these questions, allocate assets, diversify your portfolio and more to match your risk tolerance while also taking into account today’s market. And as an independent financial planning firm, we’ll also help secure the best options for various types of insurance to fit your needs and minimize the risk in those areas of your life.

Call us at 937-390-8750 to discover your personal risk tolerance and take the next steps in securing your financial future.

Retirement Readiness
How long will your retirement savings last? Is you retirement age 62, 65, 67 or even 70? What ongoing expenses will be necessary upon retirement? Can you afford to live out your dreams on a comfortable budget?

We can help you save with confidence knowing what your retirement goals are. Whether your dreams include traveling the world, or finally starting a garden in your own backyard, our financial team will prepare you for any scenario with a wide range of savings and investment options.

Call us at 937.390.8750 today to start calculating your retirement readiness.

Financial Roadmapping

It’s probably been a decade since you used an atlas to get to your vacation destination, but now you probably rely on a navigation system to get you there. Your desired financial destination may seem like a winding and unpredictable journey, but it’s not one that you want to leave to chance! Let our experienced financial team dream with you and help you plot the best route to get there.

To set up your free consultation, contact us at 937.390.8750 today!

Legacy Planning

“The great use of life is to spend it for something that will outlast it.” – William James

They say you can’t take it with you, but you can leave the world better than you found it. It’s a delicate balance to live your life and leave your legacy, and a life well lived makes an impact that lasts for generations.

Our experienced team can help you write your legacy and put the pieces into motion, whether it’s taking the stress off of your loved ones through succession planning, life insurance or long-term care planning, or carefully outlining your estate plans in coordination with your legal counsel. We can involve the whole family and your partners in these processes so that nobody is left unaware in the wake of your passing. The gift of your legacy starts with their peace of mind.

Call us at 937.390.8750 today to begin these important conversations.

401(K) Plan Consulting

One of your business’ most attractive recruitment strategies is a strong benefits package. Having the right 401(k), managed by the right ERISA fiduciary helps protect plan fiduciaries from liability. As your business partner, we can do that and help make sure your employees are ready to retire when they want to retire.

We are advocates for both plan fiduciaries and employees. KB&P advisers consistently help plan sponsors reduce and control costs, increase participation, minimize fiduciary liability and build flexible investment retirement plans.

For employers:

  • 401(k) plan design
  • Fiduciary protection
  • Investment selection and monitoring
  • Advocacy for employers

For employees:

  • Investment education
  • Group education
  • One-on-one sessions

Call us at 937.390.8750 to get the 411 on your 401(K) options.

College Savings 101

No matter whether your children are just starting their education journey or are close to walking across stage in a cap and gown, the cost of college is something that’s undoubtedly on your mind. And with rising costs of attendance (which includes tuition and fees, room and board, books and supplies, transportation and other miscellaneous expenses) across the country, it’s never too early to start planning.

To study up on the best way to save for your children’s college education, call us at 937.390.8750.

Millennial Money Moves

Adulting is hard enough without the constant stress and worry over money. Challenges unique to the millennial generation – like student loan debt and a competitive job market – can put a strain on one’s financial well-being. It’s important to establish good money management practices sooner rather than later.

At KB&P Financial Partners, we help young adults lay out their roadmap to financial independence, no matter whether they’re living the single life in a bachelor pad or starting a family of their own. With two of our advisors being millennials themselves, we can relate to each client’s individual situation with our own real-life experiences. That being said, until we set up a time to meet, these financial basics are a good place to start:

  • Set your financial goals. From short-term to long-term and everything in between, these goals play an integral role in making the life you want to live a reality.
  • Budget building. Stay on track with your goals by setting a budget that accounts for all of your income and expenses. Trust us, having a budget will help you sleep better at night.
  • Save for emergencies. It’s much easier to deal with a financial crisis – like losing a job or health issues – if you a have a cash reserve on-hand. An easy way to build up savings is to earmark a certain amount of each paycheck.
  • Use plastic with a purpose. It’s our philosophy that there’s a time and place for credit cards. Yes, they’re helpful in building credit and redeeming reward points, but be mindful of overspending, high interest rates and missed payments.
  • Tackle existing debt first. Make it a priority to tackle your existing debt first by exploring different repayment plans and refinancing/consolidating options, and weigh the pros and cons before borrowing any new money.
  • Use technology to your advantage. Luckily for this tech-savvy generation, there are many apps and online programs that help make money management a breeze.

For more information about Millennial Money Moves, call us today at 937.390.8750.

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.

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