We Take the "Big Picture" Approach to Financial Advising

KWB focuses on providing proactive investment, tax, estate and retirement planning strategies for our clients. We take a “big picture” approach to financial advising, encompassing a full range of important considerations. From asset registration and ownership to logging on and reviewing a client’s Social Security benefits, KWB is dedicated to listening, learning and explaining the outcomes of various decisions. This approach helps us comprehend our clients’ needs and desires, enabling us to provide the most suitable choices and options that when implemented, will assist in the pursuit of financial success.

Wealth Management

The Wealth Managers at KWB value the importance of balanced and independent investment advice. They will examine and review all available investment options with clients, explain the pros and cons of each, and then implement the agreed upon financial strategies that are best suited to fit our client’s needs

As independent advisors, we have the freedom to propose what we believe is best for our clients and not our parent company. Our focus is to put our clients’ interests first and foremost. Once a course of action is decided, KWB’s staff will implement it with focus, providing a personal and friendly outcome.

Some of the wealth management investment options we offer include:

Stocks, Bonds, Mutual Funds, ETFS, UITs and CDs

Variable and Fixed Annuities

College Savings Plans, UTMAs, Custodial Accounts

IRAs, including Roth, Stretch, Inherited 403(b) and others

Small Business Solutions - SEP, Simple, Individual K, Roth 401(k)

Corporate Retirement Plans - 401(k)s, Profit Sharing, and Defined Benefit Plans

Social Security Video

Social Security Video

Social Security and Medicare

As part of our comprehensive approach to financial planning, our trusted KWB Wealth Managers help take the guesswork out of deciding between various Medicare plans and Social Security benefit options. Several months before action is required, we set aside time to discuss how Social Security and Medicare fit into our clients’ financial situation.

The Wealth Managers at KWB help educate clients on their options and help them avoid common mistakes when starting Social Security and Medicare benefits.

Social Security

Social Security often makes up a significant part of a family’s retirement income. That’s why we strive to help others make the most informed decision possible. We help our clients:

  • Determine their monthly benefits
  • Understand various collection strategies whether they’re married, divorced or widowed
  • Decide whether they should collect early or delay benefits so they’ll grow.
  • Comprehend the tax advantages of Social Security benefits
  • Even complete the application process!

To schedule an appointment for complimentary Social Security Analysis, please click HERE.


Most people will be eligible for Medicare benefits at 65. Because medical costs are on the rise, it’s crucial to understand your coverage, its gaps and your potential costs if you were to require hospitalization or a medical procedure. We assist our clients with:

  • Enrolling in Medicare parts A & B
  • Determining if additional coverage is needed through Medicare Part D (prescription drugs), Medicare Advantage Plans, or Supplemental Plans
  • Creating income strategies to help minimize Medicare costs

To schedule an appointment for complimentary Medicare Analysis, please click HERE.

Tax Efficient Investing

KWB also helps with federal and state tax analysis to expose any optimizing opportunities as well as excessive and unnecessary taxation issues. This analysis helps ensure that our clients are not affected by any preventable tax burdens. We utilize tax efficient investments where appropriate, such as tax-free municipal bonds and indexed strategies, as part of our comprehensive service to our clients. Additionally within accounts, we seek opportunities to harvest tax-losses and select tax lots to minimize capital gains. For those clients who take income, we do our best to help maximize lower tax brackets when applicable. For a complimentary tax analysis please click HERE.

Estate Planning Needs

Planning for your family’s financial security is essential. At KWB, it is our intention to help put all the pieces together – and put them together right – to protect your assets not only for you, but also for your heirs. KWB Wealth Managers are well versed in providing assistance with all facets of advanced estate planning. We can help with:

  • Living Trusts, Wills, Powers of Attorney, Advanced Medical Directives
  • Charitable Remainder Trusts
  • Term Life, Survivorship, Umbrella Policies

With KWB, you have the confidence of knowing we objectively look at the “big picture” for you and your family or heirs. We will help make a plan for your assets go on living for generations to come.

Long-Term Care Solutions

We recognize that the decision to obtain a long-term care policy for yourself or a loved one may be one of the most important decisions you’ll ever make. It is estimated that over half of all Americans age 65 and older will require some form of long-term care. Depending on the extent of the care needed and the funds available, this care could be provided at home, in a residential care facility or a skilled nursing facility. Our Wealth Managers work hand-in-hand with clients to obtain the long-term care policy tailored to their needs.

Business Retirement Plan Solutions

Retirement plans aren't just a savings tool. They are a great way to attract and retain loyal employees as well.

Small Businesses have several retirement plan options, but finding the right fit can be a bit of a challenge. A retirement plan should allow employers to save adequately, but not break the bank with extra expenses. KWB’s team of advisors are able to help business owners identify a suitable retirement plan for their situation whether it’s a SIMPLE or SEP IRA, a 401(k), a profit sharing plan, or a Defined Benefit/Cash Balance pension plan.

KWB partners with well known Plan Administrators in an effort to help maximize employer contributions through the use of tiered plans, while addressing regulatory requirements for employee contributions. The goal is to help business owners save aggressively for themselves while keeping their contribution commitments for employees at a reasonable level.

As regulations have tightened, owners have been forced to take on more and more fiduciary responsibility for their retirement plans. KWB advisors have the ability to support you in this vital role by acting as 3(21) Fiduciaries. Several of KWB’s wealth managers have an Accredited Investment Fiduciary (AIF®) designation. As part of the fiduciary role, KWB provides the following:

  • A sample Investment Policy Statement (IPS) – describes the roles of each party involved in implementing and maintaining a retirement plan, as well as the exact process used to select, monitor and replace investment choices within the plan
  • Quarterly reports of a plan’s investment choices
  • Semi-annual participant education and enrollment services
  • Plan fee benchmarking
  • Plan provider evaluations and requests for proposal assistance

Whether you’re considering implementing a new plan for your business or you’d like a second opinion on your existing plan, KWB is a valuable resources in the retirement plan arena. Contact KWB to get started.

Investor Education

KWB is dedicated to developing long-term relationships with our clients, and to that end, we make every effort to keep our clients informed of current market trends, investment options and financial strategies. Some of the ways we keep in touch with our clients on a regular basis, include:


A group setting is an excellent way to learn the basics. KWB provides educational workshops for everyone from large employee groups to small investment clubs interested in learning the fundamentals of investing. These workshops are conducted in an informal and friendly environment that facilitates learning and affords attendees the opportunity to get acquainted with KWB and our Wealth Managers.

Market Commentary

A little information can go a long way. KWB regularly sends out letters that address issues of special concern to investors and attempts to anticipate questions regarding the markets which may affect your financial security. These letters are straightforward, friendly, informative, and they are popular with our clients.

To read our recent thoughts on the markets, view our Commentary page.

One-On-One Approach

Often the best way to realize your goals is to have a guide or coach who will help you identify your specific needs, desires, and dreams. Your Wealth Manager will then work with you to develop your path to financial freedom and stick with you every step of the way. We get to know you – and that helps us help you acquire the tools you need to begin securing your financial future.


We invite you to meet with us for a complimentary consultation, to discuss your financial objectives. Call us today to schedule a meeting with one of our experienced financial advisors. As a client, you will experience our commitment to provide you with exceptional investment planning and management services. To learn more, please visit Becoming a Client.

a Client