Kusak Wealth Management is committed to providing proactive service to you as our client. In order to accomplish this, we are committed to partnering with you to help you achieve your financial goals. We will work with you on a day-to-day basis to provide service, answer questions and ensure your needs are met. Our commitment is to meet with you on a regularly scheduled basis as a trusted guide to review your progress and determine the necessary steps to realize your goals.

Below, we outline the services we provide. We welcome any questions, at any time, that you may have in regards to these services.

Our Process

We believe in following a proven planning process for you as our client:

  • Initial meeting - define scope of engagement
  • Understanding your needs - getting to know you, your goals, needs, and priorities
  • Research & Analysis - identify the best solutions to fit your needs
  • Mapping your plan - designing & customizing a plan for you and your family
  • Implementation of your plan - putting your plan into action
  • Monitor & service your plan - Regular contact and education is essential to keeping you informed about your investments as well as the financial life plan we created together

Goals Review

We start and end with your goals and dreams. Regular communication is the key to ensuring that those are met. Together, we will determine the frequency of our reviews — quarterly, semi-annually, or annually — to ensure you know exactly when and how often we will meet. As such, our firm will reach out to you to schedule reviews of your current situation and any life changes that may have occurred. These reviews can be in the form of an in-person meeting or phone call and will focus on life events that may have altered your needs. If in the meantime, a major life event has occurred, we urge you to reach out to our firm, as we are committed to helping all of our clients remain on track to reach their financial goals. Major life events could include:

  • Change in marital status
  • Retirement
  • Purchase of a home
  • Death of a family member or friend
  • Birth of a child
  • Natural disasters
  • Change of occupation or job
  • National Emergencies
  • College for children/grandchildren
  • Inheritance

Financial Planning

 As part of our ongoing service, our team will review and update your financial plan on an as-needed basis. If you have had recent life changes that require a review and/or update to your financial plan, please let us know so we can update your plan accordingly. As a part of plan development, we review your goals and objectives to ensure you are on track and that we are providing proactive service to help you reach those goals by incorporating the following services

  • Tax Planning Discussion
  • Savings and Emergency Funds
  • Cash flow/Income Planning
  • Accumulation Goals
  • Charitable Giving Review
  • Philanthropic Goals
  • Education Planning
  • Income Planning
  • Insurance Needs Analysis
  • 401k Rollover Planning

Investment Management

Our experience tells us that a disciplined and diversified approach to investment management offers the greatest potential for investment success. We believe that a family’s approach to investing should not only include diversification among asset classes, but various strategies as well. With that in mind, we will track and manage your investment strategy by offering the following services: 

  • Ongoing Portfolio Management
  • Asset Allocation Review
  • Active Portfolio Management - Strategic and Tactical
  • Non-Traded Direct Investments
  • Indexed Strategies with Principal Protection
  • Risk Tolerance Analysis
  • Asset Allocation Review
  • Tax and Cost-Basis Reporting
  • Diversification Strategies

Tax Planning

The goal of tax planning is to evaluate and arrange your financial affairs to minimize your taxes based on your current situation. We can assist with this in various ways including:

  • Tax Gain/Loss Summary
  • Forward Year-End Tax Planning Information to Your Personal CPA
  • Conduct Phone Calls with your CPA to review Tax Issues
  • Coordination with your CPA and Attorneys as Tax Developments occur

Insurance Planning

As major life changes occur we will evaluate your insurance coverage to ensure you are not unnecessarily exposed. As part of our ongoing engagement, we will continue to evaluate the following:

  • Insurance needs analysis
  • Individually-owned life insurance
  • Business-owned life insurance
  • Disability income insurance
  • Long term care insurance
  • Asset protection

Estate Planning

The goal of estate planning is to anticipate and prepare for the allocation of your estate. We offer the following services to assist with this:

  • Estate plan analysis, review and coordination with other professionals
  • Wealth distribution strategies
  • Beneficiary designation alignment

Coordination with Other Professionals

The financial services industry offers an array of services and covers multiple professions. As such, we provide access our external network of trusted professionals (see list of our strategic partners):

  • Attorneys
  • Accountants
  • Real Estate Professionals
  • Mortgage Brokers
  • Employee Benefits
  • Property/Casualty Insurance