What We Do
What does it actually look like to work with Kelos Wealth Planning?
At Kelos, your financial plan comes first, so decisions like Social Security timing, investment strategy, and tax planning are never made in isolation. They’re all working toward the same goals. It’s a real financial planning relationship, one where I get to know your full picture, build a strategy around it, and stay engaged as your life changes. Here’s how that works and what you can expect along the way.
CORE OFFERINGS
A plan comes first. Always.
Before we talk about investments, we talk about your life. What you're working toward, what keeps you up at night, what "enough" actually looks like for you. From there, I build a real financial plan that accounts for your full picture: your goals, your timeline, your tax situation, your family. Everything else, including how your money is invested, flows from that plan. Not the other way around.
We focus on what we can control
Rather than trying to time the markets, we focus on what we can control such as keeping costs low, diversification, tax efficiency, putting investments in the right accounts, disciplined behavior, and ongoing monitoring.
Tax strategy isn't a sidebar. It's the foundation.
Tax planning for pre-retirees and retirees is where I'm most in my element. That means looking closely at things like Medicare income brackets and the IRMAA surcharges they can trigger, the right timing for Roth conversions, how to sequence withdrawals across your accounts, 401(k) distribution strategy, when to claim Social Security, and planning ahead for the widow's tax penalty before it becomes a problem instead of after.
People often leave real money on the table simply because no one was looking closely enough. Part of my job is making sure that doesn't happen to you.
You'll always know who's on the other end of the line.
When you call or email, you reach me. You'll never get lost in a call queue or explain your situation from scratch to someone new. I'm a boutique practice by design, because I believe you should always recognize the voice on the other end of the line, and that person should know yours, your goals, and your story, without having to ask.
Nothing falls through the cracks because attention to detail isn't optional here. It's the standard.
Proactive communication. Clear follow-ups. Coordination with your CPA, your attorney, and any other professionals in your corner, so they're working from the same picture I am. You'll never wonder what's happening with your plan or feel like you have to call just to check in. I'll already be in touch.
HOW WE WORK WITH YOU
Ongoing partnerships, built around you.
Most clients work with me on an ongoing basis. That’s where the real value of a planning relationship shows up: not in a single conversation, but in the adjustments, the check-ins, the proactive moves made because I know your full picture and I’m watching for what’s coming next.
Ongoing partnerships take two forms, depending on what you need:
Ongoing Wealth Management
For clients who want coordinated planning and investment management working together. I handle your portfolio alongside your financial plan, so the two are always in sync.
Ongoing Financial Planning
For clients who want the full planning relationship but prefer to manage their own investments. You stay in the driver’s seat on implementation. I handle everything else.
In some situations:
A one-time financial plan is the right fit. If you’re not sure which path makes sense for you, we’ll figure it out together in our first conversation.
Getting started is simpler than you think.
Step 1:
A Real Conversation
We start with a no-pressure introductory call. You share what’s going on in your financial life and what you’re hoping for. I share how Kelos works. No jargon, no obligation, just an honest conversation to see if we’re a good fit.
Step 2:
A Plan Built Around You
If we move forward, I will build your financial plan from the ground up, considering your goals, taxes, timeline, and concerns, and put it together in a way that finally makes sense.
Step 3:
An Ongoing Relationship
This is where the real work happens. I stay engaged, update your plan as your life changes, and make sure nothing falls through the cracks. You focus on living. I handle the rest.
You deserve access to real, helpful financial planning, no matter what point you’re at in your journey.
I’m here to help you clarify your goals, build your plan, and live a life you’re excited about.