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35-900 Bob Hope Drive Suite 202
Rancho Mirage, CA, 92270
(760) 324-4015 Phone
(888) 889-7804 Toll Free
(760) 324-4301 Fax
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As Warren Buffett once said, you want to leave “enough money to your kids so they can do anything, but not enough so they can do nothing.” KFG works with you (along with your children, attorney, charity, etc.) to build legacy plans that will empower your loved ones.
You want to know you will be able to enjoy retirement without making a lifestyle change or worrying if you will have enough for surprises or additional desires. Our team reviews your retirement needs and other goals, analyzes your income sources and manages portfolio withdrawals to balance daily comfort with long-term preservation.
As your career and business grows, you are starting to think about your family’s financial security, planning for your children’s education (K-12 or College), and preparing for retiring without worry. You have savings, investments, and perhaps a retirement account or two; we can help you build a comprehensive plan to protect and grow the solid foundation you’ve worked so hard to build.
Our approach to managing your wealth, although robust, will be strengthened and protected through proper estate planning and risk management strategies. You’ve worked hard to ensure that your family’s needs will be taken care of after you’re gone. We promise to uphold your legacy and to guide your spouse and next generation purposefully through accessing and preserving the wealth you’ve built in a tax efficient manner.
Managing your financial affairs is a complex and involved process. We believe that your family should be involved in the process as well, and we take client education seriously. When you take steps to ensure financial security for your family members, we will support them to make well-educated decisions and uphold the financial values you’ve instilled. Inheriting wealth comes with substantial responsibility to prudently manage, preserve, and leverage that wealth. We are here to guide your family through those responsibilities.
We serve as an essential point of contact for you and your family members to ask questions, gain confidence, and know how to move forward with the legacy planning process. Our firm works in close council with experienced attorneys, CPAs, and other financial professionals. We will provide the guidance and resources necessary to give you the peace of mind and reassurance that your wealth and family is protected and preserved.
To help you achieve your goals, we gather information about your current financial situation as well as your desired investment returns and risk tolerance. While the process of choosing appropriate investments for your portfolio is important, it’s only part of what we offer. We offer a holistic investment framework and are disciplined with your investment decisions, which can add tremendous value to your portfolio.
We manage risk by building a diversified portfolio that includes U.S. and international stocks, bonds, cash and incorporate alternative investment strategies to reduce portfolio risk.
Our investment management services include customized portfolios, ongoing portfolio management, and performance reviews to ensure alignment with your goals and objectives.
Investment costs can negatively impact the net returns you attain in your portfolio. As your personal advisors, we will closely look at the fees and expenses that you pay inside the investment vehicles and make recommendations to help control these costs.
We will continuously monitor your accounts to ensure they remain in line with your target allocation and make adjustments when appropriate, such as rebalancing and tax-loss/gain harvesting.
No matter what phase of financial life you’re in, efficient financial and tax planning is key. To help you achieve your goals, we first gather information about your current financial and tax situation as well as your desired investment returns and risk tolerance. We also take the time to clarify what these goals, dreams, objectives and concerns are in order to determine their importance in your life. We use this information to put together a written Comprehensive Financial Plan tailored specifically to you. We will clarify your personal and family goals, financial and investment objectives and include a detailed tax and investment analysis, cash flow projection, insurance analysis, and strategy and implementation steps.
Once your plan is in place, we review it regularly, modify it as needed, and provide accountability when necessary. In our experience, our most successful clients achieve success because of their commitment to “stay the path” in their financial plan.
We can develop and present recommendations to move towards your financial goals. We stress test this plan for various scenarios as situations might change.
At The Kocen Financial Group, we also help you protect what you have and plan for future events that could derail your financial plan through tools and methods that include: 529 (education) accounts, life insurance planning, disability planning, long-term care planning, and social security planning.
Retirement is one of the most important events you will experience. Getting it right takes planning. Ensuring you have a comfortable retirement is a long process that takes years of planning. As the stage of retirement continues to increase, retirement can last decades. We work with you to maintain your desired lifestyle for the rest of your life.
Retirement planning is not a static process – goals may change, new tax legislation and financial conditions may warrant shifts in a portfolio, or unexpected life events may occur. The Kocen Financial Group advisors have the experience and knowledge to help you every step of the way.
For many, retirement is an opportunity to do all the things you couldn’t do while working. Retirement should be enjoyable. Financial stability can be difficult to accomplish without a salary. A retirement plan can help you achieve the necessary stability while eliminating unnecessary stress and concern.
We are experienced in retirement planning strategies. Below are some things you should consider: