Retirement Well Planned

Retirement planning has generally been considered to be a daunting task. Just as we once used road maps and now use GPS, we now have tools available that can easily alert you to potential obstacles, guide you around bottlenecks and give you the best routes.

On your retirement path, we will help you to identify and understand the opportunities and potential rewards that are available when you take a proactive approach to your personal retirement situation. We have created this website and this business to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation.

We look at three critical areas: Income Planning, Investment Management and Milepost Planning. In addition, we realize that many of our clients need professional counsel for estate planning, tax preparation and long term care planning.

Income Planning

Investment Management

Income planning is where the rubber meets the road! During your first meeting, you will receive a complimentary retirement analysis that allows you to clearly see where you are already headed. Once we’ve established your GPS retirement location, so to speak, you can decide on where you'd like to go, what you want to accomplish along the way, and what other steps are needed. Income planning is all about covering your expenses and maintaining your lifestyle. It's the fuel that takes you where you are going.

Investment Management

Now, more than ever, individuals are tired of financial advisors who are not 100% focused on their goals. We have a fiduciary responsibility to always place our clients’ interests ahead of our own. We deliver sophisticated portfolio management, personal relationships, and holistic financial planning.

Milepost Planning

As you approach retirement, there are several often little-known mileposts that present opportunities to stop and consider hazards, shortcuts, and sometimes even rerouting to a new destination. Whether due to a job or family change, inheritance, the sale of a business or property, or attaining a particular age (i.e. 55, 59-1/2, 62, 65, 70-1/2), these mileposts merit our attention.

Enhanced Services

Milepost Planning

As a courtesy, we have contacts with experienced professionals in the fields of estate planning, tax preparation and long-term care. Visit our “Professional Resources” page for further information on services provided.

Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) a Registered Investment Advisor. CFK Financial and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that CFK Financial and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc.

WEALTHGUARD™

WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuard™ agreement. There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages. WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product.

ANNUITIES

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc.

Million Dollar Round Table (MDRT) Disclosure:

Million Dollar Round Table (“MDRT”) is a membership organization. Qualifying criteria for membership includes attaining specified levels of commissions earned, premiums paid or income earned on the sale of insurance and other financial products. MDRT membership requirements include the payment of annual dues, compliance with ethical standards, and maintaining good standing with an MDRT-approved professional association. The MDRT logo and/or trademarks are property of their respective owners and no endorsement of Frank Kelly or CFK Financial is stated or implied. MDRT and Retirement Wealth Advisors, Inc. (RWA) are not affiliated.

Top of the Table is an additional membership organization within MDRT. In addition to MDRT membership, qualifying criteria for membership includes attaining a higher level of commissions earned, premiums paid or income earned on the sale of insurance and other financial products. In addition to fulfilling MDRT membership requirements, Top of the Table membership requirements include payment of additional dues. Top of the Table and RWA are not affiliated.

For the detailed requirements of MDRT, please visit: https://www.mdrt.org/membership/requirements/

Professional Services

Professional service providers are suggestions only. These professionals are not associated with CFK or RWA. You are encouraged to consult your tax advisor or attorney.