Families & Individuals

You’ve heard the saying, “Life gets in the way.”

Life’s fast pace makes it difficult to attend to day-to-day matters, much less set aside time to prepare thoughtfully for your future.

But, great results usually require forethought. And there really is no substitute for careful planning.

Planning isn’t just for the rich or the elderly. In fact, everyone can take steps toward attaining a financially secure future.

In planning, it’s important to recognize that the choices you make today aren’t set in stone forever. The process is on-going throughout your life because your needs change. Your strategy should enable you to anticipate opportunities and consider the unlikely. Only through careful planning are your goals identified and fulfilled.

When you work with our accountants, several of whom are also licensed attorneys, we apply our extensive knowledge of tax code and financial matters so that you can save appropriately under the law while also protecting your assets.

Personal Financial Goals

I can count on [KOS] day in/day out, month in/month out, year in/year out.

John Garven
Benico, Ltd.

In setting up your unique plan, we collaborate to understand your current financial situation and your short- and long-term needs. Whether buying a car, taking a trip, financing your child’s education, or setting your sights on retirement, no goal is too small or large.

Implementation is the next part of your plan. Using personal financial statements and cash flow projections, we help you set specific, measurable, and realistic goals against which to evaluate your success.

Your plan isn’t static—it ebbs and flows as life unfolds. Periodically, we’ll revisit your plan to ensure you are staying on track and work together to revise your goals as necessary.

Estate Planning

[They] look out for me and my family.

Gregg Rich
BRG

You can’t take it with you.

Our mortality can be tough to face. If you don’t plan, instead of your assets going to the people or organizations you choose, the default situation is that government gets much of what you’ve worked so hard for.

Effective estate planning facilitates the orderly transfer of your assets to your beneficiaries and reduces or eliminates tax due on the transfer. Planning also provides security for your surviving spouse, children or other heirs, and serves to reduce the anxiety of your family members after your passing.

Estate planning is quite complex; there are many effective methods.

For example, one estate planning strategy is to transfer property before death. In addition to reducing the size of the estate, gifting can accomplish tax savings and give family members the opportunity to participate in the management of a family business, help finance a college education, or pay medical costs. Others find that a structured charitable giving plan provides the best tax advantages.

Whether your interest is in personal financial management or estate planning, we will ensure that you give sufficient input in formulating a plan that fits your needs and interests.

Talk to us today about plans that will help you achieve what you want in life and after.

Questions? Contact
Jeff Arnol