OUR APPROACH – Dream. Build. Protect. Grow. Enjoy
At your initial consultation, we’ll seek to understand how you define your prosperous life and learn about your unique story. With your help, we will put together the pieces of your story and begin building your strategic plan.
Our team of experts will help set your plan in motion with thoughtfully integrated tools to keep you moving toward your goals.
We will continuously help you align your actions with your goals, and measure your progress so that you can confidently enjoy the road ahead. The only constant in life is change. We will regularly revisit your goals each year and review your plan to make sure you are still on track.
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FINANCIAL PLANNING
Every event in life brings unique opportunities. We can help you be financially prepared to take advantage of them.
When you work with our team to develop a financial plan, we’ll apply time-tested strategies, providing expert advice and making recommendations based on where you are today and where you want to be in the future.
Along the way, you’ll have the knowledge and insight to make financial decisions that are right for you and your loved ones so you can meet each of life’s milestones with confidence.
• Create a Budget
To reach any financial goal, you need to understand how much is coming in and how much is going out each month by establishing and spending within a budget.
• Getting Your First Job
Now that you have your first job, you no doubt have big dreams and lofty goals. You need to ensure you can achieve them. By taking the first step now, you’ll be setting yourself up for a lifetime of financial security.
• Getting Married
If you’re about to be married or are newly married, you probably have big hopes and dreams for your future together. Make sure you’re financially prepared – as a couple – to make your dreams a reality.
• Buying a New Home
Buying a new home can be one of life’s most gratifying accomplishments. As you prepare to take that big step, make sure you’re ready for the financial commitment. When you approach your decision with confidence, you’ll be free to enjoy this exciting time in your life.
• Welcoming a Child or Grandchild
Now more than ever, your goal is to protect the financial well-being of your family. As you welcome a new child or grandchild, evaluate your financial plan to ensure it’s designed to meet changing priorities as your family grows.
• Funding a Child’s Education
If one of your financial goals is to pay for a child’s education, the earlier you create a college savings plan, the better. Not only will you save more, you’ll have more time to ride the ups and downs of the financial markets if you choose to invest your savings.
• Changing Jobs
If you’re thinking about changing jobs – or are plunging into self-employment – make sure you are financially prepared to transition smoothly. A new position can be an exciting opportunity, but it may also add to the financial demands on you and your family.
• Losing a Job
Losing a job can take a toll on your ego. But it doesn’t have to take a toll on your financial security. There are steps you can take to lessen the impact of temporary unemployment and protect the financial well-being of yourself and your loved ones.
• Living Comfortably in Retirement
Now more than ever, planning for your retirement is critical. At Kingdom Builders, our approach to retirement planning is designed to help you get to – and through – retirement with a greater level of financial confidence, so you can relax, knowing you have a road map to achieve your goals.
• Building Wealth
At Kingdom Builders, our financial planning process is designed to help you zero in on what’s most important to you, prioritize your goals and develop strategies to bring your vision for the future to life.
• Accident or Illness
An accident or illness can change your life in an instant. Of course, most people don’t like to think about the potential ramifications of a disabling disease or traumatic event, but these incidents happen more often than you might think. That’s why protecting your ability to earn an income is important.
• Divorce
Divorce can be disruptive to you and your family. Eliminate some of the stress of reinventing your life by taking control of your financial planning.
• Loss of a Loved One
Of all the challenges in life, the loss of a loved one can be one of the most painful experiences you will encounter. By having a plan in place to manage the financial consequences of losing a loved one, you can focus on addressing the emotional challenges death may bring.
• Estate Planning
When you have an estate plan in place, your children or other loved ones won’t be burdened with making tough decisions on your behalf when they’re already dealing with your illness or death.
At the outset, your financial plan may not need to address all of these life events. But over time, as your circumstances and priorities change, we’ll work with you to adjust your plan accordingly.
RISK MANAGEMENT SOLUTIONS
When your financial plan includes wealth protection and risk management, you’ll be helping to ensure your family – and your vision for the future – is secure.
We’ll work with you to develop strategies to:
• Provide for your family in the event of death.
Life insurance policies can be designed with different needs in mind. They can provide temporary protection, cash accumulation or may be utilized as part of an estate plan. Through our association with over 20 plus insurance companies, we have access to high-quality, competitively priced life insurance products, including permanent, term, combination and variable policies.
• Provide for you and your family in the event of a disability.
Disability income insurance helps to protect your most valuable asset, your ability to earn an income. But what if the unexpected happened and you suddenly weren’t able to earn a living because of illness or injury? Not only would you have the stress of meeting everyday living expenses, but you might also have to put other goals, like saving for a child’s college or for retirement, on hold.
• Provide for long-term care.
Long-term Care events can have a significant impact on your financial security. Planning for long-term care events can help provide options on how to fund and receive care, should you need it.
EDUCATION FUNDING
If one of your financial goals is to pay for a child’s education, the earlier you establish a college savings plan, the better. Not only will you save more, but you’ll also have more time to ride the ups and downs of the financial markets if you choose to invest your savings.
Two of the most common college funding vehicles are 529 Plans and Coverdell Education Savings Accounts, though there are many ways to save for a child’s education.
And although your wish may be to fully fund your child’s education, don’t allow that goal to put your own retirement at risk. It’s much like the instructions you’re given by flight attendants when you travel by air: In case of emergency, put your oxygen mask on first before putting it on your child. If you don’t take care of funding your own retirement, you may end up weighing down your kids with that responsibility later in life. Children have options for funding their education, such as loans and scholarships. Retirees don’t.
Working together on your financial plan, we can help you better understand your options to meet all of your financial goals.
RETIREMENT PLANNING
Now more than ever, planning for your retirement is critical. Gone are the days when pensions and Social Security provided all the income you needed for retirement. The new reality is that you are responsible for managing your own retirement, and that starts with making sure you’re strategic in your planning.
We can help. At Kingdom Builders, our approach to retirement planning is designed to help you get to—and through—retirement with a greater level of financial confidence, so you can relax knowing you have a road map to achieve your goals.
You’ll want to start by considering how much to save for retirement and where to save it. By accumulating as much as you can as soon as you can, you can put time on your side—time to plan, time to weather the ups and downs of the market and time to let your money grow.
And then, as you zero in on retirement, you’ll need a different set of strategies to manage risk and make your money last through retirement.