KP&Co is motivated to help clients get from where they are to where they want to be, by offering strategies from wealth accumulation and distribution, to insurances, and even business owner consulting, we are here to serve you.

We look forward to working with you in your financial journey.

We use integrative software to show asset/income protection strategies to protect against unforeseen events. If needed, we provide specific referrals to legal professionals for asset protection planning that insulates assets from claims of creditors.

If helping loved ones maintain a standard of living and avoid financial hardships after your passing is a priority for you, life insurance products can help. A general rule is that you may want to seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: term and permanent.

Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiaries only if you die within that time period. A permanent insurance policy, on the other hand, will stay permanently in effect for the rest of your life, as long as premiums continue to be paid.

Insurance for your business can be one of the most vital and potentially expensive benefits offered for your employees. Common group insurance policies may include life insurance, long-term disability, short-term disability, health insurance coverage, dental, vision, etc. We are able to examine premium costs for employers and employee’s across all insurers in the open market.

We offer complementary quoting for the best medicare supplements on the market. With our quoting software we are able to quote and provide medicare supplements from all insurers as opposed to being captive by one insurance provider.

We offer planning and consulting strategies that over time grow the net wealth for individuals and/or businesses while minimizing risk and mitigating future increases in tax.

Planning for retirement cash flows often doesn’t factor in taxation. We confidently employ strategies for our clients that ensure that they will not run out of money in retirement after factoring in increased taxes. For all clients, we create a tax map  to show them their effective tax rates and are able to model increased/decreased taxes based on income and distribution variables.

Using KP’s Financial model, our team gives clients peace of mind through creating effective retirement income strategies that seek to minimize risks and maximize wealth potential.

We provide custom-fit strategies for retirement funds while seeking increased liquidity and minimized taxation for future distributions.

Like all financial products, there is a time and place for annuities in the retirement distribution phase. Should there be a need for an annuity in a client’s financial strategy, we are able to shop for the most competitive in terms of performance.

As part of your financial strategy, it is important HOW you leave your estate. We help by planning a strategy and partnering with the necessary legal advisors to implement those strategies.

A bird’s eye view of the current business structure and strategy and how to use the sections of the Internal Revenue code to better your business.