About Us

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CERTIFIED FINANCIAL PLANNER™ practitioner

Kevin@KFSchulz.com

About My Practice: Since 1994, I've been working with people focusing on achieving their retirement goals. I collaborate with clients to help develop a financial road map that pursues an ever-increasing level of financial independence and helps them reach a point where work becomes optional.

Comprehensive Financial Planning: Holistic, simultaneous analysis of a client's situation, used to help clients make better, informed financial decisions.

1. Cash Flow Analysis
2. Risk/Insurance Management
3. Saving or Investment Planning
4. Tax Planning
5. Retirement Planning
6. Estate/Wealth Preservation Planning

Issue Planning: 

Fee-based advice in only one or a few specific financial planning areas.

Asset Management: 

Developing and actively managing investment portfolios for a fee. Portfolios are created and monitored based on the client's risk tolerance, time frames, experience, and personal situation. This service includes regular review meetings, which may result in portfolio modifications based on changes in economic situation, interest rates, product performance, tax laws, or client needs.

Portfolios developed and managed by Kevin typically consist of a combination of low-cost index funds, exchange-traded funds (ETFs), and actively managed mutual funds. Risk assessment, tax efficiency, and diversification are also factors considered. Asset protection strategies may be employed, if desired, in an effort to limit market volatility.

Experience: 

I am a past-chapter president of the Financial Planning Association of Puget Sound (eight years as a board member). During my time on the board, our chapter was recognized by the national Financial Planning Association's top Gold Chapter Award five years in a row.

I spent seven years as a member of the East King County Estate Planning Council and four years as a board member of the Finance Committee for Open Window School in Bellevue, Washington.

I am president and owner of Financial Insight Group, an independent financial planning and consulting firm. Prior to 2004, I was affiliated with American Express Financial Advisors Inc. as a financial planning practitioner and OSJ branch manager. Prior to my OSJ* responsibilities, I was a district manager for AEFA** (co-managing and training first-year advisors) while maintaining my personal planning practice.

*Office of Supervisory Jurisdiction (OSJ): Any main or branch office of a FINRA member where one or more of the following take place: order execution or market making; public offerings or private placements are structured; customers' funds or securities are held; new accounts are approved; customer orders are reviewed and endorsed; advertising or sales literature for use by the member's associated persons is approved; the activities of associated persons at other branch offices of the member are supervised.

**AEFA: Abbreviation for American Express Financial Advisors, Inc. On September 30, 2005, American Express spun off its American Express Financial Advisors unit as a publicly traded company, Ameriprise Financial, Inc.

Areas of Specialty:

• Asset Allocation, Management, and Protection (investment planning)
• Business Planning (large/small business, family-owned, buy/sell agreements)
• Comprehensive Financial Planning
• Retirement Planning
• Insurance (risk management, disability insurance)
• Mutual Fund Investing
• Nontraditional Households
• Divorce Planning

Investment Adviser Registration:

I am a Registered Representative and Investment Adviser Representative of LPL Financial. LPL Financial is registered with the SEC as an investment adviser and is a FINRA member firm.

Licenses, Certifications, and Registrations:

Securities registered in Arizona, California, Florida, New York, Oregon, Texas, Vermont, and Washington

FINRA Series registrations 7, 24, 51, 63, and 65 held through LPL Financial.

Insurance Licenses:

Life insurance: Washington

Health/disability insurance: Washington

Variable annuities: Washington

Other Licenses, Certifications, and Designations:

CERTIFIED FINANCIAL PLANNER™ certificant - 1999

Broker/Dealer Affiliation: 

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. 

Education:

• Bachelor of Arts Business Administration/Marketing - University of St. Thomas, St. Paul, Minnesota - 1986
• Master of Business Administration/Finance - University of Northern Iowa, Cedar Falls, Iowa - 1991

Charges to Clients for Services:

Adviser-controlled charges: Fee for financial planning (initial, hourly, and/or retainer) and/or a management fee based on assets under management. 

Charges not set by adviser:

• Commissions and/or loads for investment products purchased
• Trail fees on mutual funds or insurance policies
• Redemption fees on mutual funds or insurance products
• Commissions on insurance products purchased
• Account fees (such as those for IRAs)

Compensation:  I will recommend products based on what is in a clients' best interest rather than chosen because it provides me greater compensation. 

• When appropriate, I refer my clients to other related professionals for services they are qualified or licensed to provide that I cannot.
• I sometimes receive referrals or other fees from these professionals.
• When requested, I will work with clients on a fee-only basis.
• When requested, I will inform clients of the dollar amount of fees, including commissions or loads, they will pay on purchasing any product.
• My firm does not, nor does any affiliate or member of my firm, act as a general partner or participate in or receive compensation as a general partner from the investments that I recommend.

Miscellaneous:

• To maintain my insurance licenses, I am required to earn 24 Continuing Education (CE) credits every two years.
• To maintain my CFP® certification, I am required to earn 30 CE credits every two years.

Upon request, I will provide prospective clients with references.

I will provide a free, initial, one-hour consultation to prospective clients to determine if their needs and my practice are well matched.