“We built our firm on integrity and trust. We help you pursue your goals with tailored solutions that meet your needs and we are accountable to our clients. We say what we do, and we do what we say.”
— Michael L. Kelly
01. Who We Are
Kelly Financial Group has been serving the hard working families of the Antelope Valley for over 20 years. With a mission to make a meaningful difference in the financial lives of our clients and community every day. When you and your family partner with our team, you receive a customized plan that extends beyond the allocation of your assets.
02. Our Philosophy
Successful financial planning comes from maintaining a disciplined planning process and utilizing a dedicated team of specialists who understand that Retirement Planning, Tax Strategies, Estate Planning, and Investment Strategies should be evaluated and managed collectively. We have created a customized, comprehensive and systematic process to identify each client’s current situation and position them to be able to capitalize on potential opportunities for the future.
03. Our Process
Planning for retirement should not be a rash decision. Making decisions for the “rest of your life money” takes precise planning and ongoing evaluation. For this reason we’ve created a four step process during which you and our team work together to create a plan that is designed to identify your goals and help you pursue your dreams.
This is what we do. Get in touch.
What We Do
Thoughtfully selecting investments for your portfolio from thousands of options is a challenge. It requires the careful evaluation of many factors, including risk tolerance, time horizon, asset tax status, distribution mode, and more.
Some risks are worth taking, and others are not. For risks that could significantly harm your lifestyle, transferring it to someone or something else might make sense. Insurance is the transfer of risk to another entity for a premium payment. Getting the best value for the best price is important.
If retirement resources are the raw building materials of a successful and lasting retirement, a retirement plan is the blue print directing how it all fits together in order to build a solid structure. Many people have not taken the time to evaluate their retirement plans. We provide a simple tool that allows you to assess your plan in 4 easy steps and ensure that you’re on the right track to a successful retirement.
Social Security Planning
Social security is the only inflation adjusted, government backed, tax advantaged income available. Doesn’t make sense to get as much as you and your spouse are legally allowed to? Having a plan for the timing and execution of an optimal claiming strategy may put tens of thousands, if not hundreds of thousands, of dollars in your pocket throughout retirement.
Investment losses are far more damage than rates of return are helpful. Loss avoidance strategies preserving your assets through times of uncertainty can be as valuable as acquiring them. Minimizing or eliminating loss enables you to potentially optimize returns and opportunities.
In absence of a clearly communicated Estate plan families may tear themselves apart. In-laws may become out-laws. Irresponsible adult children can turn the rest of the family turn settling an estate into a long drawn out expensive process. Planning for what happens to your worldly possession after you gone may prevent unnecessary turmoil after you’re gone.
Getting the most benefit for you and your family requires careful consideration BEFORE making an election decision. Carefully weighing your options, and considering the integration with your other retirement plan assets, must be done before making any irrevocable decisions.
Tax Planning & Preparation
The tax treatment varies dramatically. Account types, Investment category, utilization and timing of distribution can impact an individual’s tax burden in any given year. It is important to take advantage of all the preferential factors that you’re legally entitled to.
While not guaranteed, a well-balanced portfolio may be better at handling market risk.
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