Our Services
 

Planning Your Future Creating Security 
Investment
 Essentials, Goals and Financial Planning 
Insurance
Your money working for you


Spending Plan/Budget

Provides a foundational element for financial planning.  We have a proven method that is flexible, and simple to implement for your success.

Emergency Fund

Your first line of defense to ensure your financial plan does not become derailed. We will help you identify an appropriate amount for your emergency fund and can recommend where to place these funds.

Debt

Develop a plan for you to pay off debts so you can be free from this burden to focus on blessing your family and others. We can also help you evaluate mortgages and refinance opportunities.

 

Life Insurance

Providing your family with financial security and the ability to maintain the standard of living you are accustomed to is a value we share.  We specialize in term life insurance with access to multiple companies to get you a great value with a strong company. We also assist clients with permanent life insurance if you want this and if other tax-advantaged products are funded.

Disability Income Insurance

We can help you select individual and/or group policies to ensure your ability to provide income to your family if you become disabled.

Long-Term Care Insurance

We can help you select from traditional long-term care  (LTC) insurance policies, annuities or life insurance with long-term care benefits, to provide resources for the care you would want (in home, assisted living or nursing home care).

Overall Insurance Review

We work with you and your agent or broker to review your insurance needs, and can help evaluate policies to determine which fits your needs well (auto, homeowners, renters, recreational vehicle, umbrella, etc).



I
nvestment Advice

Working with you to identify your financial goals including time frames and resources and ability and willingness to live with risk. You determine the frequency of reviews.  Based upon this we determine asset allocations and appropriate products for each goal using tax advantage products when possible (Roth IRA, Traditional IRA, 401(k), 403(b), annuities, etc). We identify investments that have shown solid long-term historical performance after expenses looking primarily at:

· Solid growth performance with greater focus on 10 year, 15 year and life of the security.

· The ability of managers to also limit downside risk.

· Diversification.

· Keeping expenses low.

· Manager experience through a variety of markets.

Investment Management

We also reallocate and rebalance portfolio allocations when they are outside of the targets. Recommendations are also mindful of tactical adjustments to take advantage of market and economic cycle information and fund performance. Reviews are typically quarterly or semi-annual and can also be as needed.






Past performance is not indicative of future results. There are risks involved with investing, including loss of principal and there is no assurance that funds will achieve their investment objectives. Diversification may not protect against market risk. Always refer to the product prospectus for complete information about a fund.

















Financial Planning

Identifies a path to implement and monitor to get you from where you are to achieving your financial goals.  We offer comprehensive financial planning or specific topic plans depending on your needs. 

Retirement Planning

Identifies resources needed, and the types of assets to match your needs and comfort with risk. We also will work with you during distribution looking to match the outflows to your goals and with an eye to managing taxes.

Education Planning

Determine what amount and type of education saving makes sense for your family - Roth IRA, Coverdell, 529 Savings Plan, etc.

Small Business Planning

Help evaluate business opportunities and operations, pricing, and succession planning. We can also work with you to establish retirement plans and insurance for you and your employees.

Legacy & Estate Planning
Partner with you and your Estate and/or Charitable giving attorney and CPA to increase the power of your assets, limit taxes, and provide protections

All Planning and Investment services are offered through KMS Financial Services.

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Securities and advisory services offered, in states where licensed, exclusively through representatives of KMS Financial Services, Inc. Member FINRA/SIPC and an SEC Registered Investment Advisor. Angela Giboney participates in the Dave Ramsey SmartVestor* program. Dave Ramsey is not associated with KMS Financial Services, Inc. This advertisement is not intended as legal or tax advice and may not be relied on for purposes of avoiding federal tax penalties. All individuals, including those involved in the estate planning process, are advised to meet with their tax and legal professionals. The individual sponsoring this newsletter will work with your tax and legal advisors to help select appropriate product solutions. We do not endorse or guarantee the content or services of any website mentioned. We encourage you to review the privacy policy of each website you visit. Limitations, restrictions and other rules and regulations apply to many of the financial and insurance products and concepts presented and they may differ according to individual situations.

*SmartVestor™ is an advertising service for investing professionals. Advertising fees are not connected to any commission, portfolio, service, product, or other service offered or rendered by any SmartVestor Pros. SmartVestor Pros are subject to initial vetting by Ramsey Solutions, and they affirm a Code of Conduct. SmartVestor Pros are not employees or agents of Ramsey Solutions. Neither Ramsey Solutions nor its affiliates are engaged in rendering investing or other professional advice. Ramsey Solutions does not receive, control, access, or monitor client funds, accounts, or portfolios. Ramsey Solutions does not warrant any services of SmartVestor Pros and makes no claim or promise of any result or success of retaining a SmartVestor Pro. Your use of SmartVestor, including the decision to retain the services of any SmartVestor Pro, is at your sole discretion and risk. Any services rendered by SmartVestor Pros you contact are solely that of the SmartVestor Pro. The contact links provided connect to third-party sites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party web sites.

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This communication is strictly intended for individuals residing in the state(s) of AK, AZ, CA, FL, IN, OR, VA and WA. No offers may be made or accepted from any resident outside the specific states referenced.