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Published by design, 2017-12-07 14:57:32

KLS Brochure

KLS Brochure

the essential elements of COMPLETE FINANCIAL MANAGEMENT

P R O F E S S I O N A L A D V I S O R S G R O U P, L L C

K L S I S Y O U R S O L U T I O N An expert in all matters financial.
An advisor you can trust implicitly. A manager who will follow through
for you on all the details.

unbiased advice

INVESTMENT MANAGEMENT

personalized planning & management

RETIREMENT PLANNING

creative solutions

FINANCIAL DECISION MAKING

trust-based relationship

TAX & ESTATE PLANNING

action

COMPLETE FINANCIAL MANAGEMENT

1

F I N A N C I A L D E C I S I O N M A K I N G KLS has been
successfully serving as wealth manager and advisor for partners of the
nation’s leading law firms, senior executives of the largest companies,
and other wealthy individuals since 1989.

2

our values

• Our client relationships are based on trust. Our fee structure
promotes a trust-based relationship. We do not sell products.
We do not accept commissions. We have no conflicts of interest
with our clients. We deliver objective, unbiased investment advice.

• The KLS culture embraces a high standard of technical excellence.
Creativity results from multidimensional thinking that contemplates
each of the key areas of financial management. Our professionals
are trained to interrelate all relevant financial and tax aspects in
the decision making process. We get it right.

• Advice – even the best advice – is not enough. Decisions must be
made. We follow through to make the trades, monitor and adjust
your portfolio, execute your estate plan, manage your cash and
anticipate and respond when you need us. We get it done.

3

W E G U I D E O U R C L I E N T S through the wealth accumulation
and retirement phases of their financial lives: reviewing projected
cash flow, reconfiguring and managing the investment portfolio,
rationalizing insurance needs, making benefits and retirement plan
decisions, and retitling assets to best effect estate planning goals.

4

complete financial management

As your financial manager, we will:

• Assess and analyze your complete financial position

• Stay current on every detail and nuance

• Integrate all personal financial management disciplines

Investment management Retirement planning

Tax & estate planning Insurance matters

Risk management Cash flow management

• Formulate and implement long-term strategies to achieve
your personal and financial goals

• Manage your day-to-day affairs and follow through on
the details

• Be a catalyst for your financial decision making

• Bring to your attention the impact that changes in the economic
environment or tax laws would have on your situation

5

Y O U R K L S M A N A G E R is the focal point of our relationship with
you and possesses a broad and deep skill set, enabling him or her to
respond rapidly and efficiently to questions and provide you advice.

6

your personal manager

• Your KLS team will become fully versed in all of the particulars of
your financial affairs.

• Each senior KLS professional possesses detailed and diverse
knowledge and experience with regard to each of the disciplines
necessary to optimize the benefits of complete financial
management for you.

• Whatever the financial issue, we will be there to assist you in
making the very best decision.

The biographies of senior KLS Financial Management Professionals
are enclosed.

7

A N U N B I A S E D A D V I S O R By engaging an advisor whose compensation
is unrelated to the sale of financial products and with whom there are none of
the attendant conflicts of interest, you gain the peace of mind that comes with
knowing you are being guided toward the very best financial result.

8

N AV I G AT I N G T H E F I N A N C I A L W O R L D

the details, the process, the future

9

S U C C E S S I S M E A S U R E D in terms of tangible progress made
on your financial affairs.

10

The most critical elements of the complete financial management
relationship will vary in emphasis with the particular situation of
each individual. In virtually every case, however, the key areas are:

I N V E S T M E N T M A N A G E M E N T , including F I N A N C I A L D E C I S I O N M A K I N G , including
asset allocation and selection of specific analysis of major acquisitions (for example
investments, management of both your liquid home purchase) and optimal financing of same,
and illiquid investment assets, investments funding of other significant financial goals,
held in company retirement and deferred risk/reward analysis and risk management
compensation plans, investments in the form strategies, and financial issues arising from
of company stock and stock options, and transactions such as job changes, marital
analysis of private investment opportunities. dissolution, and other significant life events.

ESTATE AND INSURANCE PLANNING, TA X P L A N N I N G , specifically focusing
including gifting strategies, the integration of upon tax issues and opportunities arising in
your insurance, estate planning and investment connection with the investment, estate,
management strategies, trust utilization to insurance, financial and retirement planning
achieve both tax benefits as well as asset strategies addressed on an ongoing basis in the
protection goals, and overall and ongoing wealth management process. A number of our
management of estate tax exposure consistent clients choose to include tax preparation as part
with realization of dispositive intent. of our overall engagement.

R E T I R E M E N T P L A N N I N G , including cash
flow projections associated with setting rational
savings goals, advice regarding the most effective
use of qualified retirement plans and deferred
compensation programs, integration of such
programs into your overall investment portfolio,
and management of issues arising upon
retirement such as annuity elections, rollover
decisions and timing of option exercise and
liquidation of company stock.

11

W E A N A LY Z E A N D R E S O LV E issues, large and small.
We ensure that financial decisions are not made by default.

12

Our process is designed to facilitate understanding and
decision making.

WE LISTEN AND WE LEARN strategies and alternative courses of action
best suited to your financial position.We will
The first promise we make to you is that then prepare a report containing our initial
we will come to understand every important recommendations in each critical area:
element of your financial situation. investments, estate planning, retirement
planning, insurance, tax matters, and financial
HOW DO WE DO THAT? decision making.

We ask you simply to pull together for our WE EXPLAIN AND WE DISCUSS
review the important paperwork – current
account statements, tax returns, estate We meet with you to review the report in detail,
documents, insurance policies.Then we will explaining the basis for the recommendations
be able to efficiently and effectively focus upon we have made. Because our ultimate goal is
the critical questions, and listen carefully as we to take action on your behalf, it is critically
learn what it is you believe is most important, important that you understand and are
your personal goals, and your priorities. comfortable with our approach to the issues at
hand.We will take the time necessary to talk
WE EXPLORE AND WE RECOMMEND through the issues, and make modifications to
our initial recommendations as appropriate.
Based on your current needs and future goals,
we carefully evaluate all appropriate plans,

13

C O L L A B O R AT I V E D E C I S I O N M A K I N G culminates in a targeted
course of action, providing enormous value for a busy individual.We become
a unique and valuable resource — the unbiased advisor who is current on all
important aspects of your financial life, and who has the authority to take
effective action on your behalf.

14

Whatever the issue at hand, our mission is to take effective
action on your behalf.

IN THE CASE OF INVESTMENT IF WE ARE CHANGING your insurance coverages,
it means recommending a specific issuer and
M A N A G E M E N T , that means having the policy and arranging for the processing of the
systems in place to track assets on a continuous application and other paperwork.
basis, and having the authority to effect trades
and to address portfolio issues promptly. I F W E H AV E R E C O M M E N D E D refinancing
or obtaining a mortgage, it means shopping the
I F W E A R E R E S H A P I N G your estate plan, market for competitive financing, arranging the
it means communicating the appropriate processing of the paperwork, and following the
instructions to the attorneys, reviewing the transaction to completion.
documents when drafted to assure they properly
effectuate the agreed upon plan, and arranging
for execution.

15

unbiased advice

INVESTMENT MANAGEMENT

personalized planning & management

RETIREMENT PLANNING

creative solutions

FINANCIAL DECISION MAKING

trust-based relationship

TAX & ESTATE PLANNING

action

COMPLETE FINANCIAL MANAGEMENT

16

P R O F E S S I O N A L A D V I S O R S G R O U P, L L C © Copyright KLS 2005

BROCHURE: JENNY PFISTER DESIGN 212 866 5786


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