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Wealth Advisory and Financial Planning

Kassouf Wealth Advisors, LLC is an independent wealth management firm and Registered Investment Adviser dedicated to providing clients with unbiased, personal financial advice. Working with our clients, our team helps organize, manage, and preserve wealth through proven financial strategies.

We are committed to acting in our clients’ best interests. Registered with the Securities and Exchange Commission (SEC), we accept a fiduciary role as we serve our clients. As an independent advisor who does not accept compensation or commission from any third-party, we avoid potential conflicts of interest.

Our wealth management team consists of CERTIFIED FINANCIAL PLANNER ™ practitioners and Personal Financial Specialists. We believe that wealth management is the careful planning and execution of strategies to achieve your financial goals. We assist clients in the development of their individual wealth management strategies through financial planning and fee-only investment advisory services. Our diverse background and team approach allow us to deliver a comprehensive experience for our clients. Our success is measured by the success of our clients in achieving their goals.

Our wealth planning is a comprehensive approach that puts the client first. You tell us what is important to you, and your goals drive the planning process. We offer a comprehensive approach with services that include:

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Development of financial goals

Analysis of net worth and liquidity

Budgeting

We work with clients to define financial goals and help manage cash flow to accomplish these goals.  We start by tracking expenses and income on a monthly basis to help clients categorize spending and determine where adjustments can be made to achieve individual goals.  We also analyze cash flow on an annual basis to factor in irregular income and spending.

Estate planning

Insurance assessment

Risk management

We review our clients existing insurance policies including life, disability, long term care, home and auto as part of our financial planning process.  We provide an objective analysis of the suitability of the current policies and provide recommendations for any deficiencies.  We work with insurance professionals when additional or alternative coverage is needed.

Portfolio analysis and asset allocation

Having an appropriate asset allocation is a significant element in helping clients with financial planning.  The investment strategy should be built around the client goals and risk tolerance letting the financial planning drive the allocation.  We evaluate the weightings of different asset classes within a portfolio to determine the risk/reward characteristics and appropriateness for client specific needs and objectives.

Education planning

We help clients prepare for the increasing costs of college education by projecting the amount of funds that will be needed and selecting an appropriate savings and investment strategy.  We can project the cost of a specific school or look at a range of schools when the goal is not yet known.  There are different types of college savings plans available so we help clients determine which is most appropriate for their situation and help have the account set up.  

Retirement planning

A key concern when planning for retirement is outliving income.  We work with clients to identify sources of income and assets available to fund retirement needs and develop a plan for accumulation before retirement and distribution during retirement.  This process involves evaluating client specific goals, cash flow needs, tax planning, and asset allocation. 

Investment management

Our investment management is guided by the financial planning we do for our clients.  We believe a full understanding of client goals, cash flow needs, time horizon and risk tolerance is essential to investment management.  Our investment portfolios are designed to capture market return while minimizing risk by diversifying within and across a wide variety of asset classes, minimizing fees and maximizing after-tax returns.


Understanding and Interpreting Your Financial Statement

Understanding and Interpreting Your Financial Statement

The below article by Kassouf & Co. Managing Director, Gerard J. Kassouf, CPA, was recently featured in the Summer 2017 ... Read More
President Trump's Individual and Business Tax Proposals

President Trump’s Individual and Business Tax Proposals

In a recent issue of Birmingham Medical News, Kassouf & Co. Managing Director, Gerard J. Kassouf, CPA, explains the tax ... Read More
CCH Special Report: ACA REPEAL AND REPLACEMENT

CCH Special Report: ACA REPEAL AND REPLACEMENT

House Approves ACA Replacement Bill; Benefits Remain The House voted along party lines on May 4 to approve a repeal and replacement ... Read More

Services
Accounting
Assurance
Business Consulting
Estate Administration
Estate Planning
Family Office Services
Finanacial Outsourcing
Financial Planning
Healthcare Consuling
Income Tax Planning
Litigation Support
Qualified Plans
Tax Compliance
Valuation
Wealth Advisory Services