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K & S believes that just as a good exercise regime is to staying healthy, having a sound and consistent source of objective and current financial information is critical to your maintaining your Financial Fitness ...

To assist you in your quest to maintain personal Financial Fitness, we are pleased to provide you with the following K & S financial reports, at no charge.




We offer free initial investment & retirement planning analysis. Below is a brief description of the different reports that we can generate for you:


401(k) Savings Plan Review

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  • After verifying your individual goals and objectives, we will review your investment allocations and generate a custom designed report in which we recommend what we believe are the appropriate investments for you.
  • If you leave the company, we can assist you in rolling over your existing 401(k) assets and consolidating other retirement accounts to an IRA and advise you on an investment strategies which may help you meet your goals and objectives.

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IRA 72(t) Income Distribution Analysis

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  • Did you know that there is a way you can withdraw assets from your IRA before you are 59 ½? Normally there is a 10% penalty on premature (before 59 ½) IRA withdrawals. Exception: If withdrawn annually in Substantially Equal Periodic Payments (SEPP) for 5 years or until age 59 ½ (whichever is further), the IRA 10% premature withdrawal penalty might be avoided.
  • We can run a report which will illustrate how much income you can withdraw from your IRA prior to age 59 ½ that may help you avoid the 10% penalty. Ordinary income taxes still apply.

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Investment Portfolio Review

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  • If you have an existing investment portfolio, you may be interested in a second opinion. Using our Morningstar x-ray analysis, we will generate a report for you that identifies your current asset mix among cash, bonds and stocks and your stock sector and asset class allocations (large cap vs. small cap, value vs. growth).
  • We will then provide you with a review of potential areas of improvement in your portfolio including ways that may lower your fees, potentially improve performance, and attempt to reduce risk.
  • We will also notify you if we believe your assets are in proper alignment with your stated goals and objectives.

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Retirement Income Analysis

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  • How long will my retirement assets last? How much income will I need in retirement? Can I afford to retire? This report attempts to answer these questions by illustrating if you can meet your retirement income goals (adjusted for taxes and inflation). The RIA can be re-run with varying “what-if” scenarios.
  • We will run report which attempts to show how cash flow can be generated to meet your annual income needs. In addition to illustrating cash flow generation, the RIA also shows how your assets may be able to grow during retirement to protect against inflation.


  • Our primary area of expertise is in investment and retirement planning; however, we also provide advice on the following topics:
  • College 529 Planning
  • Estate Planning
  • Life Insurance
  • Advice on retirement plans for small business
  • Charitable giving


  • Click here for a sample Cash Flow Analysis

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401(k) Savings Plan NUA stock distribution

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If you would like to learn more about our free financial report services, give us a call at 888.901.8310.


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Securities Offered Through First Allied Securities, Inc. - Member FINRA / SIPC