Our Services

We think it’s incumbent upon us to bring the message forward that it’s not only about increasing the later years of life, it’s also about expanding the middle years. What does that mean to you? Does it mean you want to continue working at your current career? Do you want a new role volunteering or working at a non-profit organization or does it mean you want to start your own business? Either way, KD Benefits has a critical role in helping you achieve your next step in life.

We provide highly personalized services to help you plan and protect your financial future so you can retire on your own terms and with certainty.

The Purpose of Your Life and Your Money

We believe your purpose in life should be the foundation to your wealth plan.  We offer a personalized process that allows our clients to identify and focus on the purpose of their life so they can appropriately plan for their money.  This is a critical first step in attaining satisfaction and fulfillment in the retirement years.

Depending on their purpose we customize a blend of some or all of the following strategies to provide an results based successful plan.

Tax Free Cash Accumulation

When you retire you will have only two kinds of money – taxable money and tax-free money. Depending on your personal circumstance we will incorporate into your comprehensive plan tax-free cash accumulation money.  And when properly designed this money can also be passed down to your loved ones tax-free.

Income for Life Strategies

Social Security is the largest source of income for elderly Americans today, but it was never intended to be the only source.  A recent poll showed that 64% of baby boomers see Social Security as a key part of their retirement earnings. The 2010 Social Security Statements says, “in 2016 we will begin paying more in benefits than we collect in taxes.  Without changes, by 2037 the Social Security Trust fund will be exhausted and there will be enough money to pay only about 76 cents for each dollar of scheduled benefits.”

When appropriate we incorporate strategies that provide guarantees!  We can guarantee principal protection, we can guarantee an tax deferred growth and we can guarantee an that can not be outlived!

Legacy Planning

“What man really fears is not so much extinction, but extinction with insignificance. Man wants to know that his life has somehow counted, if not for himself, then at least for a larger scheme of things, that it has left a trace, a trace that has meaning, its effects must remain alive in eternity in some way.”

Ernest Becker, Pulitzer Prize-winning Author

There comes a time in most peoples lives when they wonder if their life had meaning or a purpose.  Planning to leave a legacy can be a good way to ensure that you did.  It can help you have a positive impact on the lives of your family, your loved ones or on a charity.  It can provide you peace of mind that you’re still contributing to the better good of their lives even after you’ve moved on.

KD Benefits can help you avoid the pitfalls most commonly made when passing assets onto the next generation so you’ll be loved AND appreciated!

College Planning

You may be counting on grants, scholarships, student loans or savings plans such as 529 plans to pay for college.  And while all of these are great ways to pay for college, we offer our clients another option that is multifunctional and that many people over look. Contact Us to find out how.

Asset Preservation

Often money that is set-aside for retirement is unknowingly exposed to risks.  When properly planned for, you can avoid these situations, which will protect your assets from premature depletion.  KD Benefits can help.

Life Insurance

The main reason people buy life insurance is to provide money to their loved ones for when their gone.  But when working with KD Benefits you’ll learn there are many other reasons why life insurance needs to be apart of your wealth plan. We legally take advantage of current tax law generating the biggest potential for tax free money for you AND your loved ones.

Contact Us for more information or to make an appointment.