INDIVIDUALS

WE START BY LISTENING AND PLAN FROM THERE.

Because every client has a different reality, there is no standard approach in our work. It’s a “designed approach” that starts off with a relaxed conversation where the first order of business is to listen; to hear your dreams, desires and needs. In that, we do have a process of discovery that reveals your current and future goals to help us pave the way for how we can achieve them. From there, we develop a plan or approach for review which creates mutual alignment moving forward, and we set a schedule of monitoring and client review that suits your needs.

Am I On Track To Reach My Goals?

Financial Planning

We take a holistic approach to financial planning, considering such interdependent things as taxes, insurance, income before and after retirement, education funding, estates and trusts. From simple action plans to comprehensive financial plans, our nimble team devises programs to help meet the specific needs of each client.

Retirement Planning

We take the time to understand each client's goals, then devise a strategy to meet those goals. We’ll run the scenarios and help you understand the implications of various key decisions such as Roth conversions, when to take Social Security and tax-efficient withdrawal strategies. Get started by contacting us directly or by completing our Retirement Readiness Questionnaire for a complementary analysis of your progress toward retirement.

Investment Management

Our tenured advisors are fully licensed and credentialed to advise on the full range of securities including stocks, bonds, mutual funds, ETF’s and REIT’s. StoneKimbro Advisors research dozens of investment companies, allowing us to evaluate and recommend investments that are in the best interest of clients, without bias and with complete fee transparency.

Trust and Estate Plans

Owners of closely held businesses and high net worth individuals often face concerns about the survival of their business or estate after they’ve moved away from day-to-day operations. We seek a deep understanding of each client’s business, the specific roles of each executive and nuances of the family dynamic. We’re equally comfortable guiding middle class and mass-affluent clients in protecting their home from falling into probate and helping to ensure their final wishes are carried out.

Tax Planning and Preparation

Our holistic approach to serving our clients, enables us to provide tax mitigating advice in all aspects of our client’s finances, whether it be deferring liability on investment choices, tax efficient investing, maximizing deductions or estate and gift planning. It’s no wonder why many of our clients choose to have us do their taxes.

Life, Disability and Long-term Care Insurance

Risk mitigation and income protection are at the heart of all insurance strategies. Our advisors understand the complexities and nuances of insurance products. With appointments to virtually all major carriers, we can help evaluate and shop the best solution for each client’s unique situation.

No investment strategy can guarantee a profit or protect against loss. Insurance and annuities are products of the insurance industry. Guarantees are subject to the claims-paying ability of the insurance company and surrender charges may apply if money is withdrawn before the end of the contract. Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.

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