innovation, integrity and reliability.
Integrated Financial Planning and
Wealth Management Solutions
We have developed an award winning process that is focused on collaborative team based
financial planning that has earned us a national reputation in the industry for innovation, integrity and reliability. With so much to consider, your future is safe in our hands.
Financial Planning
We partner with established professionals and business owners, retirees and pre-retirees. These are people who value security, protection and peace of mind - people who know that there are no shortcuts to creating comfortable retirements for themselves and security for their families.
At Kaspardlov & Associates, one of our Certified Financial Planners (CFP®) will tailor a plan to suit your unique needs and goals. We use a process we developed called Dessanomics that maximizes wealth and more efficiently manages debt and taxes. All plans are developed with our own personal approach, designed to help you reach your goals. We’re here to help – and that’s more than a statement – it’s a promise.
We take special pride in always being accessible and in making sure the whole process is comprehensible and collaborative. We are a resource to help you make sound financial decisions in every aspect of your life. Whether your needs are basic planning to achieve your desired retirement income or whether you have complex needs that require in-depth tax planning, succession planning and/or estate planning – we can help. We have an extensive resource of professional advisors we can bring to the table. We are the quarterback for your financial affairs.
Cash Flow Planning
Creating efficiency with every aspect of your finances is the cornerstone to a solid plan and we make sure you have your debt and banking structured properly to keep more money in your pocket!
Kaspardlov & Associates offers an innovative approach to banking for our clients. Our strategies will offer you the products and security of traditional banking, with the convenience and personal service you have come to expect from our firm.
Risk Management
We will conduct a comprehensive needs analysis and work with you to design a customized plan that protects you and your family, now and into the future. Kaspardlov & Associates offers a full range of insurance products, including life, disability, critical illness, long term care, health and dental.
Insurance is an essential part of any financial plan. Initially, you include insurance to pay off debt and provide income that would be lost on the death of a spouse. But, you may find you’ll also need insurance later in life to protect your estate. Permanent insurance can help maximize your legacy by paying the taxes owed on your estate. If you have complex estate needs, we can have our Tax and Estate Planning Specialists work with your Estate Lawyer and Accountant to maximize and protect the value of your final estate.
Investment Management
Kaspardlov & Associates can help you plan a secure financial future. In collaboration with a Certified Financial Planner (CFP®), our experienced Chartered Financial Analyst (CFA) will provide investment insight and advice for your current and future investments.
With access to a wide range of investment products, whether you’re planning for retirement, a pension, education or looking into savings options, we’ll put together a strategy that creates the right solution for you and your family.
Until recently, traditional wisdom stated that you didn’t need growth once you reached retirement. Much has changed in the last 40 years – people retire earlier and live longer. You may need to fund your retirement for 30 years – or longer! In today’s environment, Product Allocation is just as important as having a well-diversified investment portfolio. Together, we’ll ensure your plan includes the right mix of both!