For those currently working and saving for retirement…

Kedrec Can Help You Prepare to Retire on Time

Make deliberate financial decisions that can help you prepare to retire on time instead of working longer than necessary.

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As Seen On

How much is a year of your life worth?

Retirement preparation is the paradoxical act of deliberately saving and investing so that you have a future while still being able to enjoy the present. Comprehensive financial planning and management can help you become paradoxically balanced in your financial goals.

Step 1: Create A Comprehensive Plan

  • Pick when you want to retire and then work backwards.
  • Plan a smooth transition into your retirement.
  • Add financial milestones and rewards along the way.

Step 2: Consider Additional Ways To Invest

  • Discover additional strategies that can complement your 401(k)
  • Explore investment models designed to accelerate your returns.
  • Diversify outside the typical stock/bond portfolio.

Step 3: Manage And Protect Your Plan

  • Manage your progress and portfolio from our app.
  • Learn how to prepare potential hardships along the way.
  • Create and maintain your estate documents.
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Your New Financial Team

Our goal is to help you prepare to retire on time with a plan that is designed to last longer than you so you can spend your time, your most precious commodity, however you want.

If you are currently working and decide that you want what we call the Growth Membership, you should expect to get the following…

Dedicated Financial Planner

Work with a dedicated financial planner (fiduciary) who knows you, your wants, and your needs.

Wealth Management

The coordination of comprehensive financial and tax strategies designed to maximize one’s wealth and lifestyle. We review financial plans twice per year so that we can help maintain expectations and help support the quality of life expected.

Retirement Preparation

Starting 10 years before the anticipated retirement date, we will begin suggesting potential and often essential adjustments needed to help create a smooth financial and emotional transition into retirement. This service covers both financial planning and development and personal development.

Passive Portfolio Management

Work with a dedicated financial planner (fiduciary) who knows you, your wants, and your needs.

401(k) Guidance 

Kedrec will review and suggest potential adjustments to your 401(k), 403(b), and other retirement accounts with a passive portfolio strategy, including occasional rebalances. We will also consult on new 401(k) rollovers into new plans, traditional IRAs, and other options.

Debt Management

It does not always make sense to pay off debt. We will review and advise on when it might make sense to pay off debt and help ensure the overall financial goals are met.

Annual Tax Filing

We will review and file your taxes every year. We file an extension for each client so we can spend more time reviewing the previous tax year and preparing for the year ahead.

Tax Minimization Management

At the end of the year, we will perform an exhaustive review designed to find and implement tax minimization strategies. Such strategies include but are not limited to IRA to Roth conversions, tax loss harvesting, income management, and so on.

Legacy Planning

Create and maintain plans that support how you want your asset to pass to your beneficiaries so probate does not decide for you.

Estate Plan Creation & Updates

Create and update as needed your estate plan documents, including a revocable trust, schedule of assets, last will and testament, HIPAA authorization, living will, power of attorney, and certification of trust.

Educational Events & Courses

Though we are a wealth management company, we believe it is important to also partake in self-development and health development. We bring in external specialists to give guidance in other areas that may help clients maximize their quality of life.
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Our Fee Structure Is A Little Different

What services you want/need will be different than someone else. We believe that when a comprehensive plan is created and funded correctly, many people would be able to manage it on their own. So, instead of forcing you into a fee structure that may not make sense, we set it up so you get to pick the service(s) you want.

Three ways you could hire us…

  • Pay for a plan and then manage it on your own.
  • Pay for a plan and then decide later to have us manage it for you.
  • Skip the plan, move assets over, and have us manage your assets for you right away.

If you want to pay for the plan only, then you will pay a fixed fee that ranges between $0 and $5,000, depending on the complexity of the plan. Most plans tend to cost around $500 to create.

If you want us to manage your assets for you while you are working, we charge a fixed fee that ranges between $0 and $625 per month (up to $7,500 per year). Most people tend to pay around $150 per month or so. Please note this membership rate is based on the amount of work expected to work with those who have not retired yet. 

If you want access to the probability models and/or the directional models (actively managed accounts), those assets will be subject to an additional 1% fee per year, broken down and billed monthly. These models are optional and should be considered based on your risk tolerance.  

Though our fee structure is different, it was designed to put your interests first. Many people that use our services see a reduction in their overall fees.

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Got 30 Minutes?

Schedule a 30 min call to learn more and determine if Kedrec is right for you (or not).

Book A 30 Min Intro Call

CREATE A RETIREMENT PLAN DESIGNED TO LAST LONGER THAN YOU

HOW TO RETIRE ON TIME

In this book, you'll discover:

How to run the numbers and see when you can afford to retire (It’s easier than you think).
​​Seven common retirement myths that could hinder your ability to retire on time and stay retired.
​​Why many common retirement rules may put you at more risk than you realize, and what to do about it.
​​Discover proprietary retirement income strategies that may be able to help you have more control over your income while potentially lowering your risk.
How to proactively anticipate and manage your retirement during the ups and downs.
Why it’s typically not too late to course-correct. If you have already retired, there’s still time to get on the right path.
And much more!
Grab Your Copy Today

This book is a marketing publication for Kedrec, LLC