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Kettler Financial Planning Services
  • Home
  • About Us
    • What We Do
    • About Fred Kettler
  • Financial Solutions
    • The Planning Process
      • Financial Planning
      • Retirement Planning
      • Financial Engineering
      • Annuities
      • 401(k) Plans
      • Wealth Protection
      • The Retirement Savings & Income Dilemma
    • Life Insurance
      • Term Life Insurance
      • Whole Life Insurance
      • Impaired Risk
    • Disability Insurance
      • Comparing Disability Policies
      • Is 60% really 60%?
  • Blog
    • The American Dream 2017 & Beyond…
    • After Love Income Is Everything!
    • Cash-Flow is Everything (now and forever)
    • Financial Engineering
    • 10% Minimum Savings Rule to Financial Freedom (15% is better/20% is ideal)
    • Term Life Insurance
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Financial Engineering

I have been in the financial services industry for over 32-years, both securities and insurance licensed, and transact in both investment and protection-based products. What I have discovered is that when it comes to making financial decisions it it’s never about any one thing, it’s about “everything”- all of the tools (investments & insurance) in your financial toolbox and how it all works together. What I have also learned is that as human beings our instinctive behavior is to make one-dimensional decisions around money as we go through life without taking into consideration how each investment we make, or every insurance product we secure, effects our overall long-term financial plan and future retirement income-stream as we are all primarily focused on what we do every day – our careers and earning money, our family, and trying to enjoy life today. So what’s the end game? Why are you working so hard? Why are you sacrificing any enjoyment today and saving money long-term? If it’s about feeling & becoming financially secure, and making sure that your family is OK no matter what, then are you 100% certain that your current financial plan is as effective and efficient as it could be, and do you have complete clarity about what your retirement will truly look like based on the current financial methods and strategies you are presently incorporating? What I know to be true is that most of the people I work with do not possess a realistic outlook, nor understand, the “wealth distribution phase” of their financial plan…the end game.

The day that the man/woman at work stops working and his/her earned income stops we hit the “retirement cliff”. This is the difference between the cash-flow that YOU were generating the day before and what your accumulated assets will actually generate in an “income-stream” for the rest of your life or your family’s lives. What is that number? How much am I allowed to spend and enjoy for the next 25+ years without the risk & fear of running out of money while trying to sustain current lifestyle?

We have been very successful at educating my clients around various financial planning concepts and strategies on how to enhance retirement income by incorporating multi-purpose tools into their present plan. Just a tweak here or there and doing so using current cash-flow, without having to save more or sacrifice current lifestyle. Strategies that will allow you to arrive at retirement more safely (less risk), have greater flexibility with your money, while also allowing you to spend and enjoy a greater portion of your hard-earned savings to sustain a better lifestyle then you otherwise could or would.

You can discover all of this without any cost. Only an investment in time, both yours and mine. If what I just shared with you above makes sense, and in fact is true, wouldn’t you perhaps want to know just how this may be accomplished? And if so, when do you think would be the best time to find out? It starts with an open, honest conversation, and without any obligation or expectations that you will do or change anything. Let’s go down the discovery path together and be absolutely certain that your current planning methods are on course to meet or exceed your long-term objectives. I believe I can add real value to your world, both now and forever.

Knowledge is power and remember…“you don’t know what you don’t know”.

Watch this 4 minute “eye-opening” video about the reality of “income streams and cash-flow” from invested (fluctuating) assets during retirement.

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5901 SW 74th Street Miami, FL 33143
Phone: 305-669-9109

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 14021 Metropolis Ave., Fort Myers, FL 33912. 239-561-2900. PAS is a wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Kettler Financial is not an affiliate or subsidiary of PAS or Guardian. This website is intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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