Kedrec is an independent, registered financial advisory that offers comprehensive wealth planning and management. In other words, no one owns us and tells us what products we should push. This allows us to be holistic fiduciaries and make objective recommendations based on what is right for you.

For some, we serve as a full-service partner delivering integrated financial planning, investment management, tax services, insurance solutions, and more. Yes, we can even file your taxes each year.

For others, we’re simply a trusted resource for specific needs, when and where it matters most.

Our approach is simple: provide the services you need... nothing more.

There are several services that make us different than your typical financial practice. For example, we offer comprehensive wealth planning services for a flat one-time fee. If you want comprehensive wealth management, we can offer it at a flat annual rate. When it comes to tax advice, we don't just offer it... We can also file your taxes, assuming that is what you want.

We built our own planning software, which allows us to dive deeper into the details. We invest based on our own models. We follow proprietary strategies, such as the Bear Market Protocol, and so on.

Yes. We are legally required to do what is in your best interest.

We are also insurance agents and tax preparers. The fiduciary responsibility supersedes any potential conflict of interest. We focus on what is right for you.

Kedrec makes money in four ways.

First, we make money when we create a plan (flat one-time planning fee).

Second, we make money when a client becomes a member (on-going services) for a flat fee.

Third, we make money when we sell any insurance product. It's not a fee to you, but we do want to disclose any potential conflicts of interest. If you want an annuity, life insurance, long-term care, or something else within the world of insurance, we would rather be the professionals that conduct the detailed due diligence than to outsource it.

Forth, we make money when we file your taxes. Admittedly, we recommend most of our clients who have simpler tax situations to use online services like Turbo Tax when possible. We typically only file taxes for clients who has complicated tax situations that need additional care and attention.

The Bear Market Protocol is a proprietary strategy that suggests a portion of your assets should be held in accounts that offer principal protection. When the markets go down (a Bear Market), when implemented correctly, you should be able to draw income from these sources while you let your other accounts recover. This helps you avoid accentuating losses.

Examples of the investments or products that would qualify for the Bear Market Protocol include, but are not limited to: High-Yield Savings, Money Market Funds, Bonds (including Treasuries), CDs, Fixed Annuities, Buffered ETFs, Structured Notes, Fixed-Indexed Annuities, Index Universal Life Insurance, and so on.

Remember, there is no such thing as a perfect investment or investment strategy. Be mindful as you find the right balance for you and your situation. Create your plan before you create your portfolio.

There's no such thing as a perfect investment or investment strategy. We believe you should create your plan before you create your portfolio. Once we have context from the plan, we can start talking about what investments and products are appropriate for you.

We are product and investment agnostic as we seek to do what is right for you.

Before you decide if you want to become a client or not, we invite you to first a 30-minute introduction call. Let's bring context into the situation so we can determine if it makes sense to proceed with one or several of our services or not.

Sometimes, all you need are a few adjustments and you are set. Other times, there's a lot of work to be done. It just depends, which is why we ask everything to start by scheduling the introduction call.

It depends on the service you want. We are dedicated to helping you live a wealthy life. For that reason, we typically will plan with anyone, regardless of asset size. The flat fee just has to make sense. The same goes with our wealth management services. As long as there seems to be enough of a benefit for you to rationalize the cost, how much you have would not hold you back from becoming a client.

No, but it’s often the best place to start. Many clients begin with a comprehensive plan so they can see the full picture before making decisions. That said, if you have a specific need, like tax minimization help, investment management, or a second opinion, we’re happy to assist without requiring a full plan. We’re flexible and focused on what works best for you.

Kedrec is owned by its founder, Michael Decker, who intends to maintain the ownership of the firm for the rest of his life. This is intended to help maintain the integrity of the firm while protecting clients from third-party sales interests.

We are completely independent. No one can tell us what we can and can't sell, which allows us to continue to stay product and investment agnostic. We believe this independence is essential to our ability to act as fiduciaries is everything we do.

Our Frequently Asked Questions page is updated frequently. If you have a question that was not answered above, chances are, someone else has that same question.

Please submit your question to [email protected].