Reduce Your Financial Risk In Retirement
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Kevin Bard | Retirement Planning
Kevin Bard is the Owner and Founder of Creative Asset Solutions, LLC, a respected financial consultant, educator and author. He is a retirement, and social security specialist who focuses on maximizing income solutions and protecting investment principal. His strategies have helped his clients preserve their wealth and increase their family legacy.
Over the past 20+ years Kevin has utilized a unique educational process that has allowed his clients to be better informed about the numerous income, investment and insurance choices available today. It requires thinking through the following questions:
If there was a missing piece of information that was costing you money now or that would cause a significant problem or cost in your future, when would you want to find out about it? Today? 5 or 10 years from now? Never?
If that fact or piece of information was a must know fact, would you agree you would want to know about it before making any type of financial decision, especially one that put your money at risk?
This is what makes Kevin and his firm different! They believe in identifying all the critical facts necessary to make a sound financial decision that is in your best interest before making that decision. This has enabled his clients to make better choices regarding their individual retirement needs, therefore avoiding the unforeseen financial minefields that can devastate most people’s plans. Kevin has worked extensively with qualified elder law attorneys and CPAs to make sure his clients get the most knowledgeable and up-to-date advice available.
Kevin is a series 65 investment advisor representative and holds firm to his fiduciary responsibilities; in addition he is a Chartered Federal Employees Benefits Consultant designation (CHFEBC) and holds life and health insurance licenses in multiple states. Kevin is long-standing member of the Society of Financial Service Professionals, and both the Cincinnati Area and the Eastern Michigan Better Business Bureau maintaining an A+ rating since starting Creative Asset Solutions, LLC in August of 2001. Kevin’s firm is based in Northern Kentucky with branch offices in Cincinnati, Blue Ash, West Chester and in Clinton Township, MI.
Accreditations and Affiliations
Society of Financial Service Professionals: Founded in 1928, the Society of Financial Service Professionals is the standard bearer for excellence in professionalism, advanced continuing education, and ethical guidance for the nation’s top financial advisers. www.financialpro.org or 1-800-392-6900
Better Business Bureau of Southeast Michigan and Better Business Bureau of Cincinnati: BBB members are businesses and firms which meet tough BBB standards and agree to follow the highest principles of business ethics. You will find that no complaints have been filed with the BBB, please check us out. www.easternmichiganbbb.org or (248)223-9400.
What We Offer
Planning for retirement can be a complicated, intricate process. With so many important decisions to make and so many options available for meeting your needs, it’s important that you have a resource you can count on to guide you step by step along the way.
At Creative Asset Solutions, we analyze your unique financial situation before developing strategies that can lead you to the retirement you’ve spent a lifetime working to build. Because we’re not tied to one particular company or product, we offer an array of solutions for addressing your financial concerns and achieving the goals you’ve set for yourself and your family. We are committed to sharing our expertise and educating you on how to reach your retirement goals.
Whether you’re in the initial stages of planning or are already retired, Creative Asset Solutions can help you make your retirement funds last. From creating an income stream you can’t outlive and maximizing the value of your assets to protecting your family and preserving a legacy for your beneficiaries in death, we have the knowledge and experience you can rely on to feel safe, secure and prepared. We will always keep your best interests at heart and put you in control of your financial destiny.
No one knows what the future holds. What will happen to your money when the unforeseen disasters happen? Are you prepared? What if we experience….
- Stock market crashes
- Terrorist attacks
- Inflation in the double digits – like in the 70’s
- 75,000,000 baby boomers about to retire
- Rising oil prices
- Long-term care illness
- Premature death
- Short or long-term disability
- Family emergency
- Unforeseen crisis
We are experienced in helping you protect what you have worked a lifetime to get. Our strategies will protect your money from the unforeseen disasters that can hit you unexpectedly. The goal of our strategies is to help you avoid having to make difficult but very important decisions during extremely stressful times. Our plans prepare for the worse but hope for the best. Contact us for a Second Opinion on your current Asset strategies.
Many legal documents that are more then three years old are not up to date with current laws.
- How will you pass on your estate?
- Will it avoid probate?
- Will your beneficiaries pay large income and estate taxes at your death? If you have current legal documents have they been tested?
We will show you how to properly set up your estate to make sure your wishes are taken care of. Through our affiliation with the Elder and Disability Law Firm we can offer very reasonably priced legal documents that are prepared by experienced and knowledgeable Estate and Elder Law Attorneys. These documents are updated to current laws. Our legal affiliates prepare very detailed documents that will avoid the problems that are associated with improperly prepared legal documents. Need a review of your Estate Planning documents, contact Us for a second opinion.
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
- Leave the money where it is
- Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
- Transfer the money to another employer-sponsored plan (if the plan allows)
- Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!