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Our Clients

Our clients lead busy lives.

Although they come from a variety of business and professional backgrounds, they are generally either trying to balance career goals with raising a family or preparing for retirement. Most of them have accumulated their wealth over time and are concerned about preserving it, growing it safely and passing it on to future generations. But they don’t have the time or desire to manage their investment strategies or consistently monitor their progress toward their goals. 

At our firm, we have the client—and only the client—in mind.

Our clients come to us because they have realized that they need help to organize and simplify their financial lives. They want to stop worrying about whether they are on track to retire and seek the help of professionals who can give them that assurance.  

Our clients stay with us because we take the time to listen to them and understand them. They appreciate the way our planning process brings together their goals and values as well as their needs and challenges. And they know they can look to us first for advice on nearly any financial matter.

How We Work With You


1) Introductory Meeting

1) Introductory Meeting

The goal of this meeting is to spend some time getting to know you and your family, your goals and dreams, and your needs and concerns. We will spend some time discussing your current financial situation, including what types of accounts you save in, how much you are saving, and what types of compensation you receive, amongst other data points.

Towards the end of this meeting, we share with you how our practice may be able to help you. We will describe our financial planning and investment management process, and answer any questions that you may have about our team or process. We will also provide some planning or investment strategies that we believe our team is well-equipped to help you with.

There is no cost, and no commitment, associated with this meeting. Once you've had some time to consider our process, and should you decide we are a fit for your needs, we will move to the discovery meeting.

2) Planning Discovery Meeting

2) Planning Discovery Meeting

The discovery meeting marks the beginning of our formal relationship with you. We begin to collect more detailed information from you, so that we may build your comprehensive financial plan. Starting with the knowledge we obtained during our introductory meeting, we ask more detailed questions about your goals, future plans, and family history, amongst others, so that we may begin to craft your plan and understand any roadblocks or impediments to achievement. We also will collect detailed financial records and statements from you so that we have a clear picture of how your portfolio is presently allocated and invested.

During this time we also assess your appetite for risk. At Kindred, we build your financial plan, and ultimately your portfolio, around a level of risk that is acceptable to you and which will enable you to sleep at night. We assess the returns that we believe are achievable at this level of risk, and calculate the probability of meeting your retirement plans. If your plan is off course, we will offer corrective measures which we believe will ultimately help you to achieve your plan. Since we can't know the future, we will also conduct multiple scenario analyses to help as we plan for the unexpected.

3) Planning Delivery Meeting

3) Planning Delivery Meeting

Upon completion of your plan, we will reconvene with you to present the entire plan. We begin with a review of your retirement goals and your family's information, as well as your financial picture based on the information that we have gathered. We move to the scenario analyses, discussing them with you in detail. We review your portfolio allocation, making suggestions that we believe will either align the portfolio with your risk preferences, fill in some missing pieces, enhance your tax efficiency, or a combination of the three.

Should your plan's probability of success be too low, we will review our proposed solutions for enhancing the eventual outcome. We want to be sure that the plan and our solutions are clear, so that you understand them and we can work to integrate them together. After discussing your retirement, including your spending and cash flow projections, we will also review any additional tax or estate planning recommendations in detail with you and your tax or legal professionals.

4) Putting Your Plan in Place

4) Putting Your Plan in Place

Once we have reviewed your plan and you are comfortable with all facets of it, we begin with implementation.  We begin by setting you up in our client portal, so that you may aggregate your entire portfolio and obtain an on-demand picture of your financial health.  Next, we will set up any investment accounts that we are managing for you, and move outside investments to those accounts.  The client portal constantly updates your overall portfolio allocation, helping us to ensure that we stay within risk levels that are consistent with your preferences, as well as your financial plan.

We will also sit with you and any tax, legal, or trust professionals, to help you begin any additional planning-related work that we have recommended.  We remain in contact with these professionals to ensure that any changes to your plan are taken into consideration.

5) Monitoring and Updating Your Plan

5) Monitoring and Updating Your Plan

We will review and update your plan with you on a consistent basis, no less than annually, and more often if your circumstances change.  We will review our past planning recommendations to ensure that they have been enacted and are working as intended.  In addition, upon completion of an updated financial plan, we will present any new or additional planning recommendations, as any changes or circumstances would dictate.

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