Client Benefits and Value                                                                                      

Kim encourages questions and establishes an atmosphere where learning is a priority. Clients feel at ease asking questions,                                                      allowing a two-way street when creating your financial plan.

Family Financial Plan

            Saving for Retirement

•     How do your feelings about money affect your spending habits?

•     Do fees and investment options impact your 401k rate of return?

•     What should you do with your 401k when you leave your company? 

            Saving for College Funding

•     How much to save?
•     How does financial aid affect your savings rate?
•     Does school choice play a role in financial aid?

Retirement Transition

   Pre-Retirement (5-10 years prior to retirement)

•     What do you want your retirement to look like? 

•     How do you evaluate retirement expenses?

•     How will you know if you have saved enough? 

   Retirement (1-5 before years or in retirement)

•     How will you know when to take distributions?

•     What is your IRA required minimum distribution?

•     Will you owe income taxes on Social Security benefits?

Sudden Financial Changes

             Inheritance

•     What new opportunities are now available to you?
•     What effect on your identity, career, relationships, and lifestyle will your new money have?
•     What are your feelings about money and how it affects your spending habits?

   Divorce

•      How will you manage your finances?

•      What about your retirement needs?

•      Sell your home now or later?

            Widow/Widower

•       What do you need to know about money?
•       When and how to sell your home?
•       Will you have enough to last for the rest of your life?

Call Kim to set up an appointment by email or call us: 781.413.4879.

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¹ Willye White, Olympic silver medalist ('56 and '64) and motivator behind Chicago's Robert Taylor Homes Girls Athletic Program.

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KJH Financial Services | Registered Investment Adviser | Kimberly J. Howard, CFP^®, CRPC^®, ADPA^®| Needham, Ma 02494 | 781.413.4879

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