Kilcullin Financial Life Planning, LLC

A financial plan built holistically includes much more than investment advice.  It is an all-purpose tool that enables planner and client, working together, to make better financial decisions because each individual decision is made within the context of the full picture.  Competent and informed investment decisions must take into account all the other factors that comprise an investor’s financial profile, including tax, estate planning, insurance, risk tolerance, specific family circumstances and ultimate financial goals.

For those individuals saving to meet their personal financial goals, whether college savings, a new home, or future retirement, we will work together to create a financial plan to achieve those financial goals.  We focus on low-cost portfolios to maximize the investment returns. 

For retired individuals, we address proper allocation of investments to reduce risks inherent in investing to levels that the investor can tolerate and feel comfortable throughout retirement.  We will help an individual understand their risk tolerance and determine the proper asset allocation mix.

Often for retirees, their biggest concern is how to maintain the cash inflows in order to meet their daily living expenses.  We will create a solution to balance your cash flow needs and determine the most tax-efficient strategy to withdraw your assets.

We will work with individual’s tax accountants and attorneys, upon approval, to incorporate all aspects of your financial plan.