Fee-only financial planning is offered through Kinkelaar & Associates, a Registered Investment Advisory firm in Illinois and Ohio. The presence of this web site on the internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than Illinois, Ohio or where otherwise legally permitted. Please refer to the Disclosures page on this website for more information and a copy of our Privacy Policy.