Services

What We Do

Your Vision Is Our Priority

At Kowitz Financial Group, we pride ourselves on giving you highly personalized financial advice and services free of any conflicts of interest. We are dedicated to building a long-term relationship with you by always placing your interests first.

We conduct extensive research and build a comprehensive financial plan for you based on your financial situation, lifestyle, values, and goals. We look closely at where you are in your life and career, and then create a financial plan to help you get to where you want to be. We provide:

Asset Management

The key to helping you preserve and grow your wealth lies in developing an asset management plan that matches your goals and your risk tolerance. At Kowitz Financial, we choose the asset allocation strategy that best suits your individual needs.

Comprehensive Financial Planning

Successful wealth management begins with a comprehensive financial plan that takes into account every aspect of your financial life, including retirement planning, education funding, insurance planning, estate planning, and other factors specific to your individual lifestyle:

RETIREMENT PLANNING

Are you on track for a comfortable and enjoyable retirement? Can you modify your current financial strategy to improve your retirement picture?

Have you taken tax law into account regarding your distribution options? Are you and your spouse prepared for medical and long-term care expenses? Is your retirement plan properly aligned with your estate and education planning?

We work closely with you to answer these questions and more. Our goal is to help you get the most out of your current assets to provide peace of mind in your retirement years.

EDUCATIONAL PLANNING

If you have children headed for higher education, there are many tax-advantaged programs available to help them attend the university they choose. From Section 529 plans to education IRAs, we help you determine which option is the best match for your circumstances and the best fit with the other aspects of your financial plan.

FINANCIAL PLANNING

Ensuring that you and your family members are protected from the financial hardships that can stem from death, disability, and protracted illness is a pillar of sound financial planning.

Kowitz Financial Group offers the highest level of service in recommending life, disability, and long-term care insurance to protect your income and assets and to give your family peace of mind. Since we are independent, we search out the most suitable insurance products for you.

ESTATE PLANNING

Deciding when, how much, and to whom you will transfer your property or assets is a complex and sensitive undertaking. We will coordinate with your attorney, accountant, and other advisors to ensure that your wishes are understood and carried out.

We help you define your personal, family, and philanthropic goals. Then, we analyze all gift and estate tax implications before implementing your plan.

DIVORCE FINANCIAL PLANNING

Understanding and taking control of your financial situation before, during and after divorce is crucial.
Working with a Certified Divorce Financial Analyst can help you understand how the financial decisions you make will impact your financial future.

To learn more or schedule a consultation, please contact us.

How We Help You

Your Partner In Financial Success

At Kowitz Financial Group, we are serious about understanding your goals, your values, and your lifestyle. When you join the Kowitz Financial family we will start with a wide-ranging discussion about your life destination and how you can get there. Here is the process we will go through together:

Initial Interview. We ask you many questions about your business, financial, and personal situation. We talk about what you are currently doing and discuss your short-term and long-term goals. We will also talk about issues from retirement and estate planning to college funding and insurance coverage, and determine your tolerance for risk.

Plan of Service.Based on our discussions, we develop a list of recommendations designed to guide you in reaching your goals. Depending on the complexity of the recommendations, we’ll hold up to three meetings to discuss them.

Creating Your Plan.Once we agree on the recommendations, Kowitz Financial uses that as the basis for crafting a comprehensive financial plan.

Taking Action. As full-service wealth managers, we implement your financial plan using strategies based on your individual needs.

Monitor and Adjust.Once the plan is in full swing, we regularly monitor your results and watch for economic or market changes that affect any aspect of the plan. We then adjust your plan as needed.

Working Together.It’s vital for us to maintain regular contact with you. We’ll hold regular meetings—at the time interval most comfortable for you—in which we review your plan and your investment results, and also discuss any changes in your life that may require adjusting your plan.