By considering all aspects of your financial situation, a Certified Financial Planner™ professional can help you manage your finances, develop a strategy for meeting your goals and guide you through the personal financial planning process.

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Fee-only financial planning is offered through Kinkelaar & Associates, a Registered Investment Advisory firm in Illinois and Ohio.
The presence of this website 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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

 

“People who plan feel more confident about their financial decision making, manage to save more money, and feel better about their progress to date in saving for financial goals.”

– 2012 Household Financial Planning Survey
by Princeton Survey Research Associates
International for the CFP Board and the
Consumer Federation of America

Kinkelaar & Associates Financial Planning




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Life Worth Management®

Daily Money Management Services

Our Daily Money Management Services bring clarity and order to your bill paying, budgeting and record keeping.  We provide a wide range of customized services to keep your day-to-day financial affairs in order.

What we can do for you:

  • Monitor and pay your bills on time
  • Balance checkbooks and investment statements
  • Develop and track budgets
  • Review mail & establish priorities
  • Track and resolve billing issues
  • Organize records and important papers (insurance, financial, estate, tax)
  • Prepare files for tax preparer and other service professional
  • Coordinate with your legal, tax, insurance, real estate, investment, care manager and other trusted professionals
  • Act as a liaison between clients, their families and community resources

The benefits of our daily money management services:

  • Simplify your life

After the initial setup of your system, your customized services are provided by us on a regularly scheduled basis. For most clients, we conduct these services in their home and meet once per week or every other week, depending on their needs.  However, our services are flexible and can be customized to best serve you.

Life Worth Planning®

Financial Planning & Investment Advisory Services

Financial Foundations – Detailed Planning

On-the-Spot Advice Sessions

As-Needed Reviews or Updates

Financial Life Planning Coaching Sessions

You can learn more about these services by clicking on the above links or contacting us.

Give us a call at 800-716-0674 or send us an online message  to discover which services are right for you.

On the Spot Session

An On the Spot Advice Session is designed to address your most significant financial concerns quickly and cost-effectively. This is a limited scope engagement and should not be considered a replacement for detailed planning. Typically, no detailed reports or additional follow-up are provided with this service.  It’s ideal if you have one or two issues and want trusted advice from someone who doesn’t sell financial products.

We’ll meet together to address your financial questions.  Since we probably won’t be able to discuss all of your financial issues, you’ll need to pick the most pressing items for us to focus on.  Our job is to help you weigh your options so you can make wise money decisions.

A written service agreement and work order must be signed before a session is scheduled.

The cost for a 90 minute On-the-Spot Advice Session is a flat fee of $540, based on a total of 3 hours to prep , meet and summarize the session.  A 2 hour On-the-Spot Advice Session is a flat fee of $630, based on a total of 3.5 hours to prep, meet and summarize the session.

 

A Retirement Financial Foundations Engagement

This is a Financial Foundations Engagement specifically focused on the unique needs for those at or near retirement.  In addition to the core areas addressed in a Financial Foundations Engagement, we look closely at your retirement investments, income sources and retirement lifestyle goals.

Areas that may be included are: account withdrawal testing with multiple “what-if” scenarios, analysis of your investments, pension lump sum rollovers versus annuity payout strategies,  strategies to maximize social security benefits,  Medicare selection, required minimum distribution planning and tax implications, long term care and family caregiver planning, special needs planning, estate updates, and other relevant retirement  issues.

As with the Financial Foundations Engagement, this engagement consists of a midpoint meeting that may be conducted in person, via phone or Skype and an in-person presentation meeting.  All emails and phone calls that are needed to exchange relevant information during the planning process are included.

At the end of the engagement, you will receive a customized financial plan with support documentation and specific recommendations, plus action steps to help you prioritize your plan. To clarify your implementation questions, phone and email support is available for 60 days following the presentation meeting.

The fee for this service will depend on the scope of the engagement and the estimated time to work on the engagement or with the client.  Fees are quoted and agreed to with a written service agreement/work order that must be signed before any work can commence.

Typical Fee for a single individual:  $720 – $1,800.  Typical fee for a couple:  $1,500 – $3,000

 

A Financial Foundations Engagement

With a Financial Foundations Engagement, we take an in-depth look at the areas in your financial life that are important to you. It begins with a discussion of your goals and perspective.  From this framework, we analyze the core areas of your current situation – cash flow, assets, liabilities, taxes – and other areas relevant to you, such as investments, employee benefits, insurance,  estate planning,  education planning, retirement/financial independence planning, small business issues, windfall planning, real estate investing, etc.

Throughout the planning process, we strive to demystify personal finance for you, so you are equipped to make wise decisions and not fall prey to information overload and marketing hype.

The engagement consists of a midpoint meeting that may be conducted in person, via phone or Skype and an in-person presentation meeting.  All emails and phone calls that are needed to exchange relevant information during the planning process are included.

At the end of the engagement, you will receive a customized financial plan with support documentation and specific recommendations, plus action steps to help you prioritize your plan. To clarify your implementation questions, phone and email support is available for 60 days following the presentation meeting.

The fee for this service will depend on the scope of the engagement and the estimated time to work on the engagement or with the client.  Fees are quoted and agreed to with a written service agreement/work order that must be signed before any work can commence.

Typical Fee for a single individual:  $720 – $1,800.  Typical fee for a couple:  $1,260 – $2,500

With our engagements, many clients choose to implement the recommendations themselves, but some clients prefer to have greater assistance or coaching sessions to ensure they carry out what needs to get done.  Such implementation services are available on an as needed, hourly basis.

 

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800-716-0674

Akron, Ohio office:
150 Springside Drive – Suite B-245
Akron, OH 44333

Chicago, Illinois office:
125 South Wacker Drive – Suite 300
Chicago, IL  60606

 

Flexible

Through as-needed engagements, we don’t limit our services to individuals and families based on net worth.  We don’t require long-term contracts nor do we take over your accounts.

You retain control and get the level of customized service you want at a reasonable price.

Fiduciary

As a Registered Investment Advisor, we are legally bound to place a client’s best interest above the firm’s.  While you might think all financial service providers offer this, unfortunately, most do not.

Your interests come first and we’ve signed a written fiduciary oath to prove our commitment.

Independent

We’re not affiliated with any bank, brokerage, or insurance company. So, our strategies aren’t limited and we can advise on a wide range of investment products and services.

You receive specific recommendations focused on meeting your unique needs.

 

Fee-Only

We’re paid exclusively by our clients.  We don’t accept 3rd party compensation for product recommendations. Therefore, our advice is not influenced by commissions or incentives.

You avoid the sales pressure and receive advice that’s not based on someone else’s agenda.

Financial Planning About You, Not Product Sales

Kinkelaar & Associates was founded by Mary Deshong-Kinkelaar, a Certified Financial Planner™ professional, based on her personal experience.  She saw a flaw in the way most financial advice was provided, focusing on investment and insurance product transactions rather than objective, competent and customized planning.

Seeing the inherent conflicts of interest, Mary felt there had to be a better way to help people on such important life matters. This philosophy formed her commitment to offering financial planning services through  “fee-only” as-needed engagements.

Let’s Talk

Please take a look at How to Get Started, then schedule an introductory phone call with Mary by contacting us online or at 800-716-0674.  This is the first step in getting to know each other, allowing us time to answer your initial questions and discuss your financial planning needs.

 

Financial Planning About You, Not Product Sales

Kinkelaar & Associates was founded by Mary Deshong-Kinkelaar, a Certified Financial Planner™ professional, based on her personal experience.  She saw a flaw in the way most financial planning was offered, emphasizing the sale of investment or insurance products rather than objective, competent financial advice.

Seeing the inherent conflicts of interest, Mary felt there had to be a better way to work with people on such important life matters. This philosophy formed her commitment to offering financial planning services through  “fee-only” as-needed engagements.

Let’s Talk

Please take a look at How to Get Started, then schedule an introductory phone call with Mary by contacting us online or at 800-716-0674.  This is the first step in getting to know each other, allowing us time to answer your initial questions and discuss your financial planning needs.

 

Figures and statistics are important in financial planning, but they don’t tell your entire story. That’s why we provide financial life planning, a method that combines traditional financial advice with life coaching strategies. Through financial life planning, you learn to focus on what makes life meaningful to you, so your finances are aligned with your personal values.

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800-716-0674

Akron, Ohio office:
150 Springside Drive – Suite B-245
Akron, OH 44333

Chicago, Illinois office:
125 South Wacker Drive – Suite 300
Chicago, IL  60606

Are You Making the Right Financial Decisions?

At Kinkelaar & Associates, we provide an impartial and professional perspective to answer your financial questions and help eliminate unnecessary worry.

Whether you need detailed financial guidance, a second opinion or daily money management help, we’re here to set you on the right path.

Through our offices in Chicago, Illinois and Akron, Ohiowe offer a wide range of financial planning help for individuals and families at various stages of life. Contact us at 800-716-0674 or send us a message to learn how we can assist you.

 

Benefits of Working With Us

As you’ll see below, we’re not your typical financial advisor:

We’re Fee-Only

We don’t sell products nor do we accept compensation based on our product recommendations, so our advice is free from the conflicts of commissions or incentives. We’re paid exclusively by our clients. You avoid sales pressure and know our advice is not based on a hidden agenda.

We’re Independent

We’re not affiliated with any bank, brokerage firm, or insurance company. Therefore, our choices aren’t limited and we can advise on a wide range of investment products and services. You receive specific recommendations focused on meeting your unique requirements.

We’re Flexible

Through hourly, as-needed engagements, we work with individuals and families regardless of net worth, investable assets or income. We don’t require long-term contracts nor do we take over your investments. You retain control and get the level of customized service you want.

We’re A Fiduciary

As a Registered Investment Advisor, we’re legally bound by a fiduciary duty to place our client’s best interest above the firm’s. You might think all financial service providers offer this, but most do not. Your interests come first and we’ve signed a written fiduciary oath to prove our commitment.

Find out if our fee-only financial planning services are right for you. Give Mary Deshong-Kinkelaar, CFP® a call at 800-716-0674 or send her a message to learn more.