LEGACY BEYOND WEALTH WE GIVE OUR FAMILIES, PARTNERS, AND TEAM MEMBERS THE GIFT OF TIME GUIDING AND ENABLING THEM TO OBTAIN WHAT MATTERS MOST.
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Coordination
Resource
Leadership and stewardship Count on us for assistance, aid, guide your financial resources, and encouragement throughout ensuring precision, oversight, your financial journey, providing and coordination for peace of unwavering support mind
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KT SOLUTIONS
WHAT MATTERS MOST A Guide to Freedom
4
The Gift of Time
I
n an era where the clock ticks
away from the familial hearth.
ever faster, the gift of time
Our tech-obsessed culture often
becomes our most precious
exchanges real conversation for
commodity. Yet, people are in-
virtual interactions, further erod-
creasingly spending less time
ing the once-sacred family time.
together. As age advances, the
As devices claim more hours, the
hours with partners, children,
communal bond frays, emphasiz-
and coworkers dwindle, leaving
ing individual amusement over
solitude’s steady climb. A digital
collective experience.
hypnosis has lured Americans Three Ways To Reclaim Your Time
1)
2)
3)
Make eye contact. In a
Support others in their
Appreciate the value in
world ever more capti-
pursuit of success by
every moment and
vated by technology, set
welcoming change with
acknowledge the good.
aside your phone when in
an open and adaptable
the company of others.
mindset.
Embrace People
Cultivate Growth
Promote Graditude
W
e believe the
climb to success starts with family.
50%
of babies born in 2019 were to unmarried women, a dramatic increase from 5% in 1960.
Growing up in a two-parent home cuts poverty risk by
82%
.
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Matters Most
T
he family stands as a bastion against the chaos of the outside world. Historically, marriage has been the glue that holds families together. In
2019, fifty percent of babies were born to unmarried women. Concerns about the decline of morality have emerged, drawing attention to how these societal shifts affect the fabric of communities. As the threads of conventional American family structures fray, society continues to scramble for solutions outside of family to solve the complex issues of today. While these changes present new challenges, they also invite opportunities for redefining family values in a way that embraces adaptability. The future of families and the role of marriage in maintaining societal cohesion remain pivotal areas for exploration and understanding. It is clear that the fundamental qualities of family life—support, diversity, adaptability, and a focus on long-term growth—are more crucial than ever in the realms of business and investing.
I often passed the Door of Dreams But never stepped inside, Though sometimes, with surprise, I saw The door was open wide. I might have gone forever by, As I had done before, But one day, when I passed, I saw You standing in the door. - Jessie Belle Rittenhouse
The Power of Now
I
magine a single lilly flower sprouts up in the middle of lake Tahoe. Each day the lillies double. If it takes 48 days in total to cover the lake, on what day will half the lake be covered with lillies?
8
Day 47
$5
Small habits make big a day invested at 10% APY differences; exponential growth starts with simple, will grow to approximately $300k in thirty years. daily actions compounded over time.
E
xponential change in our personal lives is the culmination of disipline and opportunity. Starting now, each small step we take will compound over time, leading to significant transformations. The direction of our own habits propell us closer or farther from our dreams. Increasing the momentum with each decision.
Case Study Background Name: Candice Owens Age: 37 Career Field: Registered Nurse Employer: Full time for local hospital Annual Income: $90K
Candice is a diligent nurse and mother, who aspires for a secure retirement at 65. She’s financially astute, with a 401(k) and company-sponsored pension. A remarried widow, she balances her career with caring for her three independent children, all while aiming to make savvy pension decisions to ensure a comfortable life post-retirement.
Additional Info Assets: 401(k), Company sponsored pension with minlthy kump sum options Family: Widow who remarried at age 34. She has 3 independent adult children. Primary Goals: Wants to retire at age 65, make the correct pension decision, and live comfortably throughout retirement
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Candice’s Questions Do I have enough money? Candice is unsure if she will have enough money to retire comfortably. Social Security & healthcare? Candice is confused about healthcare options and how to maximize her social security benefits. My pension option? Candice does not know whether to choose from a monthly or lump sum option on her pension. My 401(k) investments? Candice would like to know if she is investing her 401(k) correctly. She has an insurance agent and 401(k) representative, but no one who is looking at all of her retirement details.
Solutions Social Security: Candice, a remarried widow, will start with Survivor Benefits, then switch to her own Social Security at 70 to grow her personal benefit while receiving income. Pension: KT will analyze pension options, providing pros and cons to guide Candice’s choice between monthly or lump sum payments, tailored to her financial needs. Medicare: KT’s network will support Candice’s Medicare transition 90 days before retirement. 401(k): KT will craft a tailored investment strategy for Candice’s 401(k) choices. Income: KT will develop a financial plan for Candice’s income and spending, aiming to secure her finances by integrating Social Security, pension, and 401(k). Taxes: KT will work to optimize Susan’s tax bracket, promoting the use of 401(k), 403(b), and HSA to maximize benefits.
One-Stop Shop Candice has a team that will help her before, during, and after retirement. We commit to be here for her every step of the way.