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How We Work

Our firm specializes in offering personalized, hands-on services targeted at helping individuals develop sound retirement strategies. If you are retired – or are approaching retirement – please take the time to explore our website and the wealth of information we offer. Our goal is to educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management as well as other issues that are critical to your financial wellbeing.

Financial Planning Process

Confidential Client

  • Gather Information
  • Establish Objectives

Candid Snapshot

  • Develop a picture of your current situation
  • Make observations
  • Identify issues/problems


  • Financial condition models
  • Consider all alternatives
  • Select the strategies
  • Present the blueprint to the advisor to review

Our Strategies

Estate & Asset Protection Strategies

  • Will and trust design strategies
  • Property ownership alternatives
  • Estate tax reduction techniques
  • Life insurance analysis
  • Qualified plan distribution
  • Family gifting strategies
  • Charitable planning

Business Owner Planning

  • Identifying the issues surrounding the development of the next generation of management, regardless of whether you plan to sell or keep the business in the family;
  • Deciding when and how to transfer your business and;
  • Minimizing the impact of taxes so your family, your company and your employees are not at risk.
  • Executive compensation planning


  • Advice, consulting and planning
  • Portfolio modeling analysis and design
  • Investment policy statement development
  • Implementation, manager search and
  • Ongoing monitoring, due diligence and reporting

Retirement Planning

  • Needs assessment
  • Retirement income modeling
  • Benefits analysis
  • Distribution options
  • Long-term care funding options

Insurance and Annuities

  • Life insurance and fixed annuities
  • Disability income insurance
  • Long-term care insurance

Investment and Advisory programs*

  • Separate accounts
  • Multi-strategy accounts (in development)
  • Mutual fund wrap programs
  • Direct participation programs
  • Alternative investments
  • Hedging strategies
  • Variable annuities
  • College funding/529 savings plans

Tax-favored investment strategies

  • Private Placement Life Insurance (PPLI)
  • Tax-Deferred Variable Annuities

*Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Krim Associates and any other entity listed herein are not affiliated with Kestra IS or Kestra AS.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. |  201-632-2020