How We’re Different Empowered Investing No one has more at stake when it comes to your finances than you do. That’s one reason we believe that the most effective financial plans are created in partnership. Rather than dictating a financial strategy, we listen and learn about your needs and ambitions. We then work closely with you to develop a plan that addresses your unique financial objectives. Whether you are a seasoned investor or just beginning to plan for your future, our professional staff will work to empower you with the knowledge, service and product solutions you need to be an equal partner in this process. Our ultimate goal is to put you in control of your money. That’s what empowered investing is all about. Empowered Investors: Are equal partners in the development of their financial plan Have an in-depth understanding of all of their investment options Choose from world-class financial products Benefit from access to powerful financial advice Enjoy outstanding client service Are in control of their money and financial future Our Approach Through the years, a financial plan will be tested by adverse market conditions, unexpected life events and economic uncertainty. J.D. Kreps financial Group has the experience and fundamental approach necessary to help you overcome these challenges and foster long-term financial growth. Gather Information Knowing that there is no single financial strategy that meets the needs of every investor, our first step in working with clients is simply to listen. Only after gaining an intimate understanding of each investor’s unique needs, challenges and goals, will we initiate the process of constructing a sound financial plan. Develop Alternatives After working together to document your financial goals, we will begin the process of putting you in control of your money. Through a powerful combination of product knowledge and access to quality products, J.D. Kreps Financial Group can provide a wealth of alternatives to meet your needs. Our fee-based approach is designed to give clients confidence that our recommendations are always aligned with their best interests. Empower Clients to Choose a Strategy Because the financial decisions you make today will have a lasting impact, it’s vital to have a big-picture understanding of these important issues. At the heart of our commitment to client service is a passionate dedication to ensuring that our clients understand all of their investment options. Empowered by this knowledge, you can confidently make investment choices tailored to your financial plans. Implement and Monitor Our approach to serving our clients entails more than just helping them create wealth. We also work with them to devise wealth-preservation strategies with regard to the risks posed by inflation, taxes, market volatility and unforeseen life events. Therefore, we continually monitor the development of our clients’ financial plans and investments to help ensure that they remain appropriate and effective. Financial Solutions As you reach life’s many milestones, J.D. Kreps Financial Group will be there with comprehensive financial planning advice and quality product offerings. From retirement and estate planning to education funding, we have the expertise and access to leading financial products to help you reach your financial goals. Retirement Planning At J.D. Kreps Financial Group, we believe long-term financial planning should do more than just account for post-retirement living expenses. Instead, our retirement savings strategies are designed to provide for what should be a time to enjoy the rewards of your labor in the manner you desire. Estate Planning Our firm’s commitment to estate planning is grounded in the realization that our clients have worked hard to establish financial independence for themselves and their families. After consulting with our clients to determine their unique needs, aspirations and values, we work with them to craft a comprehensive plan for the preservation and transfer of their wealth. Education Funding Saving for education expenses – whether for your children or grandchildren – has never presented a more daunting challenge. Fortunately, J.D. Kreps Financial Group has access to a wide array of education savings vehicles that can help you turn a child’s dream into reality. Products and Services As an independent financial firm, J.D. Kreps Financial Group has access to many world-class products and is not limited to the offerings of a single company. From these options, we will work with you to identify products that match your investment objectives. Fee-based Asset ManagementStocksBondsMutual FundsLife InsuranceDisability Income InsuranceLong-term Care InsuranceAnnuities Platinum Services As a full-service financial services firm, J.D. Kreps Financial Group will work with you to identify your unique financial needs and objectives. Then, as part of our Platinum Services, we will not only implement a sound financial strategy designed to help you reach those goals, but also monitor and adjust it to meet your evolving needs. Investment Management Services Objective independent investment research Portfolio monitoring to ensure your investments and risk tolerance are aligned Tactical Asset Allocation to seize opportunities that may offer potential advantages Regularly scheduled meetings to review and evaluate your investment performance, update your financial objectives and, if necessary, re-allocate your portfolio. Recommendations regarding allocation and selection investments within your employer-sponsored retirement plans, such as 401(k)s What this means for you: J.D. Kreps Financial Group offers the expertise and a disciplined approach that we feel are critical to helping you reach your important financial goals. Tax Reduction Planning Tax-reduction strategies based on a comprehensive review of your tax return Free consultation with your tax preparer Tax solution recommendations, including tax-advantaged investments Cost basis analysis and data at your request What this means for you: J.D. Kreps Financial Group’s expertise can help you improve tax efficiencies in an effort to put more of your hard-earned money to work for you. Retirement Income & Distribution Planning Analysis of your future income needs and income sources at retirement Recommendations regarding the best way to integrate and distribute your retirement, Social Security and other defined-benefit assets What this means for you: J.D. Kreps Financial Group can help you choose a distribution strategy that aims to offer insulation from market volatility – adding the potential for stability, control and financial confidence to your retirement. Estate Planning Analysis of current assets and liabilities Assessment of cash flow needs for surviving spouse and/or children upon death Analysis of current life insurance and long-term care insurance policies Assistance with your will, trust, and passing assets on to your heirs Estate planning strategies to minimize the amount of estate taxes that your heirs will owe are your death What this means for you: J.D. Kreps Financial Group can help ensure that the process of passing on your assets to the next generation happens as effectively and efficiently as possible. Client Services & Communications Quarterly, semi-annual or annual reviews based on your age, needs and preferences Quarterly economic newsletter Special reports on important financial issues, including tax-reduction strategies Invitations to J.D. Kreps Financial Group educational and client-appreciation events What this means for you: J.D. Kreps Financial Group offers you the information you need to be an empowered investor as well as many opportunities to feel appreciated.