Financial Services

DREAM. PLAN. MOVE FORWARD.

By utilizing an array of licenses, registrations, and targeted education, we are qualified to work with a range of products and strategies. Whether you're seeking simple or diversified investments, comprehensive retirement planning, risk management, or supplemental health and life policies, our team is ready meet your needs. We value strong client-advisor relationships and offer a complimentary Discovery meeting to get to know you. Schedule your appointment below if you are ready to take the next step in building your financial future.

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Retirement Planning

Outliving your money is a fear most people face more than dying. After living a lifetime of independence, running out of money in our later years is something no one wants to face. We work with clients to prepare a complete financial plan which includes a financial model that allows you to see where your current plan might take you and the effect of potential changes in real time PRIOR to making a decision! By using the process of using rate of return and actuarial science, we help clients achieve life potential vs. life expectancy.

Wealth Management

Many people believe that “wealth management” is only for those with large financial account balances. For many financial firms this is true. At Southern Kentucky Advisors, we believe that ALL our clients, regardless of their account size, need to know how much risk they have in their portfolio assets and, more importantly, how much risk is required to reach their financial goals. We follow a philosophy of “why risk what you have to try and get what you don’t need”. Our analysis helps our clients to increase returns while minimizing risk. Do you know your risk number? Find out using the world-renowned system "RiskAlyze".

Tax Strategies

No matter what stage of life you are currently in or what you do for a living, you have a partner called the IRS who has plans for your retirement savings. As Judge Learned Hand said, “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one's taxes”. At Southern Kentucky Financial Services we believe that our clients should pay every dime they legally owe, but should attempt to sufficiently understand available options to reduce their future taxation and thus increase spendable income. Our advisors work to help our clients achieve this goal by analyzing options for their consideration, including ROTH Conversions, 1031 Exchanges, and Opportunity Zones.

Health Care Planning

Healthcare planning is an integral piece of the retirement planning puzzle. Our founder has worked with retirees to help with their decisions about Medicare for over 40 years and our firm is widely known as the place to come for education and analysis in order to make the best choices about retirement healthcare. This includes the annual Medicare Part D Rx analysis that is critical for everyone on Medicare.

Regardless of age, another health care planning item to consider is disability. Loss of income for those disabled and unable to work AND loss of assets for those who need long term care are two of the most neglected and yet most likely needed items in a financial plan. The simple fact is that if you are under the age of 50, you have a much greater chance of becoming disabled and unable to work than dying. If we live long enough, we are likely to need the assistance of others with our activities of daily living. Young or middle aged, we can help you with planning for future disability.

Legacy Planning

By beginning with the end in mind, we strategize a plan to help ensure your loved ones are taken care of after your sunset years. This includes: having essential documents in place, planning for the survivors to have adequate income, and making future gifting to heirs as tax efficient as possible. Our advisors work with our clients and other advisors to develop a sound legacy and estate plan. We believe the job isn’t finished until those we leave behind are provided for to the degree that is desired. If you do not currently have essential documents in place, we can recommend you to a local attorney or, if you prefer, we offer a special service for document creation through Helios Integrated Planning

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

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