Everyone already has a financial plan. The question is whether it's yours.

No. The initial consultation is at no charge. Whether you have a plan already, have just started, or have not started at all, Kyle is glad to be a second set of eyes. Planning services beyond that conversation are available at additional cost and are offered only by appropriately licensed investment advisor representatives.

For most people, no. Social Security was not designed to be your only source of retirement income, and on its own it rarely supports the lifestyle people picture for retirement. Planning is what fills the gap. This is not endorsed or approved by the Social Security Office or any other Government Agency.

It is not simply owning several mutual funds, which often move in the same direction at the same time. True diversification means holding assets that respond differently to the same conditions, which may help manage portfolio volatility. Diversification does not ensure a profit or protect against loss in declining markets.

It is planning ahead for the possibility that you will need care later in life, helping to protect your family from unexpected care costs and caregiving demands. It protects both your finances and your independence.

The cost of skilled nursing or in-home care is among the largest expenses many families ever face, and without a plan it tends to land on adult children, in both dollars and daily caregiving. Planning ahead also protects your choices, including where you receive care and how close you can stay to family.

Not to profit from loss, but because certain policies build cash value over time that a child can use later in life. Kyle walks families through where this fits in a broader legacy plan.

As early as you can. The earlier the plan is in place, the more options you have, and the less likely you are to reach a point of "I wish I had done that" when it is too late to act.