The Kirkwood Group, Inc. - Product and Services

In a world crowded with new investments, changing tax laws, rapidly evolving insurance products, and volatile economic scenarios, you may be looking for clear direction in your financial life. While books, magazines, and the Internet offer helpful tools, only a financial planning professional can bring training, experience and judgment to the task of helping you consolidate the aspects of your financial life into one coordinated plan. Financial planning is the process of identifying your goals, and creating a strategy for making your life’s dreams become reality. It starts with a Financial Review.

Even if you don't expect your estate's value (including death benefits from insurance policies) to total more than the current IRS limits for Federal taxation, you may need an estate plan. If you do nothing to control the disposition of your estate, by default you have an estate plan-one designed and administered by the government, with no regard for the needs and desires of you and your family. Proper estate planning can use lifetime gifts and trusts to minimize your estate tax liability. With the help of our Financial Planning department, your investment officer can complete an estate plan for you to review with your accountant and attorney.

To get where you want to go, you have to know where you are and where your destination lies. While not everyone needs a full-scale analysis, many can benefit from the Financial Review, an in-depth financial-planning service designed to add value for our clients.

The Financial Review provides a detailed look at your assets and how they might be used to reach your financial goals. It’s designed to help increase cash flow and reduce taxes as needed. Our financial-planning specialists use information you provide—along with a computer-assisted program that incorporates the latest tax changes and financial-planning strategies—to produce the Financial Review for you and your Investment Officer.

The Financial Review is the foundation of your plan. We address most key components of your financial structure including personal balance sheet, cash flow and taxes, investments, college financing, retirement, Long-term care financing, and estate planning. Your Financial Review is the road map that helps guide you to financial security. Unlike most firms, we provide the Financial Review at no charge—because it is vital to establishing our professional relationship with you.