We are a family-owned business serving a select group of individuals, families, and business owners in all areas of financial planning. Our advice is provided as full-time fiduciaries, and on a fee-only basis. We do not receive commissions and have no products to sell.
✓ Fee-only ✓ Full-time fiduciaries ✓ No commissions ✓ No products to sell
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OUR SERVICES AT A GLANCE
Retirement planning, Social Security and pension decisions, investment allocations, income strategies, Medicare planning, and legacy goals, all in one comprehensive plan.
Disciplined, personalized portfolio management aligned with your financial plan and risk tolerance.
Proactive, CPA-led strategies including Roth conversions, tax-efficient withdrawals, and multi-year tax projections.
We coordinate with your attorney to help your assets transition smoothly to your heirs.
The funding of your child or grandchild’s education is often a significant part of the financial planning process. We can provide guidance in identifying the optimal savings and investment strategy tailored to your specific needs. This may involve the use of vehicles such as 529 college savings plans, Roth IRAs, educational savings accounts, Trump accounts (530A accounts), and UTMAs or UGMAs.
One of the primary challenges for young families and business owners in achieving a successful financial plan is the potential impact of the premature death or incapacitation of an owner or income earner. Likewise, for retired couples, the rising costs of long-term care present a significant risk. Our role is to assist you in recognizing these risks and educate you on mitigation strategies. These discussions commonly involve exploring options such as life, health, disability, and long-term care insurance. It is important to note that our advice is free from any commission-generating motives.
Guidance from a Certified Divorce Financial Analyst® before, during, and after divorce, including later-in-life divorce.
Liability management is an important part of financial planning. We will carefully evaluate your existing liabilities and help you implement appropriate solutions aligned with your best interests.
We consult with business owners to create and maintain a retirement plan that meets the owner’s needs and helps employees become retirement-ready. BKM’s advisors act as section 3(21) fiduciaries, as defined by the Employee Retirement Income Security Act. We handle the coordination of plan design, provider search and selection, and investment research and monitoring. Company retirement plan options often include 401(k), profit-sharing, SEP IRA, SIMPLE IRA, and pension plans. Once the plan is in place, we offer continuous education for plan participants and conduct regular plan reviews for the business owner.
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