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FINANCIAL ADVISOR
Kahler Financial Group, Inc., is an Investment Adviser registered with the SEC. Advisory services are only offered to clients or prospective clients where Kahler Financial Group, Inc., and its representatives are properly licensed or exempt from licensure.CLIENT PORTALS
Access and download all our client forms, documents, and exercises. Access to secured file sharing. For individuals who have accounts held at TD Ameritrade. View account information including balances, holdings, performance, custom reports, and custodial statements that are housed in the Client Portal. FEE ONLY FINANCIAL PLANNER SOUTH DAKOTA RICK KAHLER, CFP Rick Kahler, MSFP,CFP®, CFT-1™, CeFT®, CCIM, president of Kahler Financial Group, is a life-long resident of Rapid City, SD. He began his professional career in 1973 selling and appraising real estate He founded Kahler Financial Group in 1981. RICK KAHLER: INFLATION A TOOL TO REDUCE NATIONAL DEBT At the time you buy it, you could buy a fully loaded laptop or a round trip ticket to London for $1000. Now, let’s say the U.S. inflates its currency at a 7% rate for the next ten years, which would be about twice the “normal” inflation rate of 3.3% for the past 80 years. At the end of that time the bond matures and you get your $1000 back. AVOID BYOB - BE YOUR OWN BANKER A BAD IDEA A better way to “Be Your Own Banker”. Instead of paying that $12,500 a year in premiums, you could put it into a deductible 401 (k) plan and invest the funds in a diversified portfolio. You’d even be better off to put it into a taxable account. Then if you needed a newcar
RICK KAHLER: TEACHER SALARY RANKING ADJUSTED FOR LIVING Hawaii. It ranks 20th for its average teacher salary of $55,757, which becomes a stunningly paltry $30,200 after adjustments. To my surprise, South Dakota’s adjusted average of $38, 644 only moved it from last place to second from last. Rounding out the bottom five are Maine with $39,216, New Mexico with $40,686, and West Virginia with $41,324. RICK'S FINANCIAL ADVICE: BUDGETING WITH THE BUCKET SYSTEM The 3 Bucket System. We’ve recently started introducing our clients to a powerful new tool that helps you determine what lifestyle you can really afford. It’s a system called First Step Cash Management. We refer to it as the “Bucket System” because it divides your money into three “buckets.”. Bucket #1. RICK KAHLER: USE SMALL CLAIMS COURT AGAINST BIG COMPANIES A small claim is a lawsuit for just what the name implies, small-dollar disagreements. In Pennington County, SD, the maximum claim amount is $12,000. Filing a small claim is easy and inexpensive. You don’t need a lawyer. The employees at the office of the Clerk of Courts will walk you through filling out the simple form, calculatingthe fee
RICK KAHLER: CAPITAL GAINS HAVE LOWER RATE BUT TAXED TWICE The Bush tax cuts continued the practice of double taxation, but lowered the amount paid at the individual level to 15%. The same double taxation applied to long-term capital gains, except that the tax rate was a flat 28% before the Bush tax cuts reduced it to 15%. This double tax makes it seem that the wealthy pay less tax than theyreally do.
CAREGIVER AGREEMENTS A Caregiver Agreement is a formal written contract, usually between family members, to provide housekeeping, meal preparation, medical supervision, bill paying, transportation and other services for a fee. Typically, for example, an adult daughter may enter into an agreement that specifies what care she will provide for her aging mother.FINANCIAL ADVISOR
Kahler Financial Group, Inc., is an Investment Adviser registered with the SEC. Advisory services are only offered to clients or prospective clients where Kahler Financial Group, Inc., and its representatives are properly licensed or exempt from licensure.CLIENT PORTALS
Access and download all our client forms, documents, and exercises. Access to secured file sharing. For individuals who have accounts held at TD Ameritrade. View account information including balances, holdings, performance, custom reports, and custodial statements that are housed in the Client Portal. FEE ONLY FINANCIAL PLANNER SOUTH DAKOTA RICK KAHLER, CFP Rick Kahler, MSFP,CFP®, CFT-1™, CeFT®, CCIM, president of Kahler Financial Group, is a life-long resident of Rapid City, SD. He began his professional career in 1973 selling and appraising real estate He founded Kahler Financial Group in 1981. RICK KAHLER: INFLATION A TOOL TO REDUCE NATIONAL DEBT At the time you buy it, you could buy a fully loaded laptop or a round trip ticket to London for $1000. Now, let’s say the U.S. inflates its currency at a 7% rate for the next ten years, which would be about twice the “normal” inflation rate of 3.3% for the past 80 years. At the end of that time the bond matures and you get your $1000 back. AVOID BYOB - BE YOUR OWN BANKER A BAD IDEA A better way to “Be Your Own Banker”. Instead of paying that $12,500 a year in premiums, you could put it into a deductible 401 (k) plan and invest the funds in a diversified portfolio. You’d even be better off to put it into a taxable account. Then if you needed a newcar
RICK KAHLER: TEACHER SALARY RANKING ADJUSTED FOR LIVING Hawaii. It ranks 20th for its average teacher salary of $55,757, which becomes a stunningly paltry $30,200 after adjustments. To my surprise, South Dakota’s adjusted average of $38, 644 only moved it from last place to second from last. Rounding out the bottom five are Maine with $39,216, New Mexico with $40,686, and West Virginia with $41,324. RICK'S FINANCIAL ADVICE: BUDGETING WITH THE BUCKET SYSTEM The 3 Bucket System. We’ve recently started introducing our clients to a powerful new tool that helps you determine what lifestyle you can really afford. It’s a system called First Step Cash Management. We refer to it as the “Bucket System” because it divides your money into three “buckets.”. Bucket #1. RICK KAHLER: USE SMALL CLAIMS COURT AGAINST BIG COMPANIES A small claim is a lawsuit for just what the name implies, small-dollar disagreements. In Pennington County, SD, the maximum claim amount is $12,000. Filing a small claim is easy and inexpensive. You don’t need a lawyer. The employees at the office of the Clerk of Courts will walk you through filling out the simple form, calculatingthe fee
RICK KAHLER: CAPITAL GAINS HAVE LOWER RATE BUT TAXED TWICE The Bush tax cuts continued the practice of double taxation, but lowered the amount paid at the individual level to 15%. The same double taxation applied to long-term capital gains, except that the tax rate was a flat 28% before the Bush tax cuts reduced it to 15%. This double tax makes it seem that the wealthy pay less tax than theyreally do.
CAREGIVER AGREEMENTS A Caregiver Agreement is a formal written contract, usually between family members, to provide housekeeping, meal preparation, medical supervision, bill paying, transportation and other services for a fee. Typically, for example, an adult daughter may enter into an agreement that specifies what care she will provide for her aging mother.CLIENT PORTALS
Access and download all our client forms, documents, and exercises. Access to secured file sharing. For individuals who have accounts held at TD Ameritrade. View account information including balances, holdings, performance, custom reports, and custodial statements that are housed in the Client Portal. KAHLER FINANCIAL GROUP: RICK KAHLER History. Established by Rick Kahler in 1983, KahlerFinancial Group was the first client-centered, fee-only financial planning firm in SouthDakota.
CORE VALUES
Core Values. Finally, behind the “what” and “how” of what we do is the “why.”. These are our core values, the touchstone of what brings us together as a group. 1. Authenticity. Our work and personal interactions are based on real, unquestionable evidence, reliability, and trustworthiness. 2. Advocacy.IT’S NOT TOO LATE
It’s not too late – IRA Contributions for 2020. In case you missed it, the IRS extended the filing date for federal tax returns to May 17, 2021. There is still time to make an IRA contribution for 2020. The IRA contribution limit for 2020 was $6,000 to any combination of Traditional IRAs and/or Roth IRAs. If you file a joint return, you and RICK'S FINANCIAL ADVICE: BUDGETING WITH THE BUCKET SYSTEM The 3 Bucket System. We’ve recently started introducing our clients to a powerful new tool that helps you determine what lifestyle you can really afford. It’s a system called First Step Cash Management. We refer to it as the “Bucket System” because it divides your money into three “buckets.”. Bucket #1. HOW RICH IS “RICH?” According to a Gallup poll done a few years ago, the public’s median definition of “rich” was either an income of $120,000 or assets of one million dollars. By that definition, a lot of people could be considered rich. Roughly the top 7% of Americans have a net worth of a million dollars or more. More recently, MSN Money asked their more CAREGIVER AGREEMENTS A Caregiver Agreement is a formal written contract, usually between family members, to provide housekeeping, meal preparation, medical supervision, bill paying, transportation and other services for a fee. Typically, for example, an adult daughter may enter into an agreement that specifies what care she will provide for her aging mother. “WHAT DO YOU MEAN, MY BALANCE IS ZERO?” The reason for the zero balances was simple enough. Client accounts have been transferred within TD Ameritrade from one entity to another. This was explained on the statements, as follows: “Please be aware that this statement shows a zero month-end balance because the assets were transferred to TD Ameritrade Clearing, Inc. mid-month. You will RICK KAHLER: DOES RICH MEAN HIGH INCOME OR HIGH NET WORTH In a Gallup poll conducted in January 2003, the respondents defined “rich” as earning over $120,000 a year or having a net worth of over $1,000,000. Most financial professionals contend that becoming rich is not synonymous with having a high income, but is a function of acquiring assets. While having a high income can give a person more ASSET PROTECTION TRUSTS ARRIVE IN SOUTH DAKOTA GUNDERSON PALMER GOODSELL & NELSON, LLP Assurant Building • 440 Mt. Rushmore Road • Rapid City, SD 57709-8045 Telephone: 605-342-1078 • FAX: 605-342-9503 Website: www.gundersonpalmer.comFINANCIAL ADVISOR
Kahler Financial Group, Inc., is an Investment Adviser registered with the SEC. Advisory services are only offered to clients or prospective clients where Kahler Financial Group, Inc., and its representatives are properly licensed or exempt from licensure. FINANCIAL ADVISOR FEES Financial editor Bob Veres recently wrote in Inside Information that “a client with a $1 million portfolio will pay at least $20,000 more in various hidden costs to a broker than to a fee-only financial adviser, even if both the broker and adviser are charging the same fee amount for the planning and investment work.”. RICK KAHLER: INFLATION A TOOL TO REDUCE NATIONAL DEBT At the time you buy it, you could buy a fully loaded laptop or a round trip ticket to London for $1000. Now, let’s say the U.S. inflates its currency at a 7% rate for the next ten years, which would be about twice the “normal” inflation rate of 3.3% for the past 80 years. At the end of that time the bond matures and you get your $1000 back. FEE ONLY FINANCIAL PLANNER SOUTH DAKOTA RICK KAHLER, CFP Rick Kahler, MSFP,CFP®, CFT-1™, CeFT®, CCIM, president of Kahler Financial Group, is a life-long resident of Rapid City, SD. He began his professional career in 1973 selling and appraising real estate He founded Kahler Financial Group in 1981. RICK KAHLER: TEACHER SALARY RANKING ADJUSTED FOR LIVING Hawaii. It ranks 20th for its average teacher salary of $55,757, which becomes a stunningly paltry $30,200 after adjustments. To my surprise, South Dakota’s adjusted average of $38, 644 only moved it from last place to second from last. Rounding out the bottom five are Maine with $39,216, New Mexico with $40,686, and West Virginia with $41,324. POLITICS AND PERSONAL FINANCIAL PLANNING Yes, I sometimes discuss politics, because political issues and governmental actions have a direct impact on our personal finances. One of The American Heritage Dictionary’s definitions of “political” is “relating to or dealing with the structure or affairs of government.”. A fundamental power of our federal government has to do with RICK KAHLER: USE SMALL CLAIMS COURT AGAINST BIG COMPANIES A small claim is a lawsuit for just what the name implies, small-dollar disagreements. In Pennington County, SD, the maximum claim amount is $12,000. Filing a small claim is easy and inexpensive. You don’t need a lawyer. The employees at the office of the Clerk of Courts will walk you through filling out the simple form, calculatingthe fee
RICK KAHLER: CAPITAL GAINS HAVE LOWER RATE BUT TAXED TWICE The Bush tax cuts continued the practice of double taxation, but lowered the amount paid at the individual level to 15%. The same double taxation applied to long-term capital gains, except that the tax rate was a flat 28% before the Bush tax cuts reduced it to 15%. This double tax makes it seem that the wealthy pay less tax than theyreally do.
AVOID BYOB - BE YOUR OWN BANKER A BAD IDEA A better way to “Be Your Own Banker”. Instead of paying that $12,500 a year in premiums, you could put it into a deductible 401 (k) plan and invest the funds in a diversified portfolio. You’d even be better off to put it into a taxable account. Then if you needed a newcar
“WHAT DO YOU MEAN, MY BALANCE IS ZERO?” The reason for the zero balances was simple enough. Client accounts have been transferred within TD Ameritrade from one entity to another. This was explained on the statements, as follows: “Please be aware that this statement shows a zero month-end balance because the assets were transferred to TD Ameritrade Clearing, Inc. mid-month. You willFINANCIAL ADVISOR
Kahler Financial Group, Inc., is an Investment Adviser registered with the SEC. Advisory services are only offered to clients or prospective clients where Kahler Financial Group, Inc., and its representatives are properly licensed or exempt from licensure. FINANCIAL ADVISOR FEES Financial editor Bob Veres recently wrote in Inside Information that “a client with a $1 million portfolio will pay at least $20,000 more in various hidden costs to a broker than to a fee-only financial adviser, even if both the broker and adviser are charging the same fee amount for the planning and investment work.”. RICK KAHLER: INFLATION A TOOL TO REDUCE NATIONAL DEBT At the time you buy it, you could buy a fully loaded laptop or a round trip ticket to London for $1000. Now, let’s say the U.S. inflates its currency at a 7% rate for the next ten years, which would be about twice the “normal” inflation rate of 3.3% for the past 80 years. At the end of that time the bond matures and you get your $1000 back. FEE ONLY FINANCIAL PLANNER SOUTH DAKOTA RICK KAHLER, CFP Rick Kahler, MSFP,CFP®, CFT-1™, CeFT®, CCIM, president of Kahler Financial Group, is a life-long resident of Rapid City, SD. He began his professional career in 1973 selling and appraising real estate He founded Kahler Financial Group in 1981. RICK KAHLER: TEACHER SALARY RANKING ADJUSTED FOR LIVING Hawaii. It ranks 20th for its average teacher salary of $55,757, which becomes a stunningly paltry $30,200 after adjustments. To my surprise, South Dakota’s adjusted average of $38, 644 only moved it from last place to second from last. Rounding out the bottom five are Maine with $39,216, New Mexico with $40,686, and West Virginia with $41,324. POLITICS AND PERSONAL FINANCIAL PLANNING Yes, I sometimes discuss politics, because political issues and governmental actions have a direct impact on our personal finances. One of The American Heritage Dictionary’s definitions of “political” is “relating to or dealing with the structure or affairs of government.”. A fundamental power of our federal government has to do with RICK KAHLER: USE SMALL CLAIMS COURT AGAINST BIG COMPANIES A small claim is a lawsuit for just what the name implies, small-dollar disagreements. In Pennington County, SD, the maximum claim amount is $12,000. Filing a small claim is easy and inexpensive. You don’t need a lawyer. The employees at the office of the Clerk of Courts will walk you through filling out the simple form, calculatingthe fee
RICK KAHLER: CAPITAL GAINS HAVE LOWER RATE BUT TAXED TWICE The Bush tax cuts continued the practice of double taxation, but lowered the amount paid at the individual level to 15%. The same double taxation applied to long-term capital gains, except that the tax rate was a flat 28% before the Bush tax cuts reduced it to 15%. This double tax makes it seem that the wealthy pay less tax than theyreally do.
AVOID BYOB - BE YOUR OWN BANKER A BAD IDEA A better way to “Be Your Own Banker”. Instead of paying that $12,500 a year in premiums, you could put it into a deductible 401 (k) plan and invest the funds in a diversified portfolio. You’d even be better off to put it into a taxable account. Then if you needed a newcar
“WHAT DO YOU MEAN, MY BALANCE IS ZERO?” The reason for the zero balances was simple enough. Client accounts have been transferred within TD Ameritrade from one entity to another. This was explained on the statements, as follows: “Please be aware that this statement shows a zero month-end balance because the assets were transferred to TD Ameritrade Clearing, Inc. mid-month. You will FINANCIAL ADVISOR FEES Financial editor Bob Veres recently wrote in Inside Information that “a client with a $1 million portfolio will pay at least $20,000 more in various hidden costs to a broker than to a fee-only financial adviser, even if both the broker and adviser are charging the same fee amount for the planning and investment work.”.CLIENT PORTALS
Access and download all our client forms, documents, and exercises. Access to secured file sharing. For individuals who have accounts held at TD Ameritrade. View account information including balances, holdings, performance, custom reports, and custodial statements that are housed in the Client Portal.BECOMING A CLIENT
Our process is atypical to most large planning firms and is focused on each individual clients' needs and desires. We have developed a process to enable both our advisors and our potential clients to discover whether or not KFG is a good fit for them.CORE VALUES
Core Values. Finally, behind the “what” and “how” of what we do is the “why.”. These are our core values, the touchstone of what brings us together as a group. 1. Authenticity. Our work and personal interactions are based on real, unquestionable evidence, reliability, and trustworthiness. 2. Advocacy.IT’S NOT TOO LATE
It’s not too late – IRA Contributions for 2020. In case you missed it, the IRS extended the filing date for federal tax returns to May 17, 2021. There is still time to make an IRA contribution for 2020. The IRA contribution limit for 2020 was $6,000 to any combination of Traditional IRAs and/or Roth IRAs. If you file a joint return, you and RICK KAHLER: FINANCIAL LITERACY NOT ENOUGH TO HELP POOR A noted author and expert on giving financial advice to the poor, he said, “All the financial literacy in the world is not going to help the poor.”. Born into a poor family in East Los Angeles, Louis managed to become the first Hispanic CFP® in the US and pull himself out of poverty. After a successful career, he returned to the barrioto
RICK KAHLER: SOCIALLY RESPONSIBLE INVESTING NOT SIMPLE The profits or losses involved in trading those stocks accrue to the third-party buyers and sellers. They don’t directly affect the company’s bottom line. For most small investors, making a difference through socially responsible investing may be an illusory goal. Its RICK'S FINANCIAL ADVICE: BUDGETING WITH THE BUCKET SYSTEM The 3 Bucket System. We’ve recently started introducing our clients to a powerful new tool that helps you determine what lifestyle you can really afford. It’s a system called First Step Cash Management. We refer to it as the “Bucket System” because it divides your money into three “buckets.”. Bucket #1. RICK KAHLER: BUILD WEALTH SLOWLY WITH RENTAL PROPERTY Always figure the income based on a property being vacant for several months of the year. 5. Be aware that a more expensive house won’t necessarily provide a corresponding increase in rent. The rental market eventually tops out. If a $150,000 house rents for $800 a month, a $350,000 house may only rent for about $1400. 6. CAREGIVER AGREEMENTS A Caregiver Agreement is a formal written contract, usually between family members, to provide housekeeping, meal preparation, medical supervision, bill paying, transportation and other services for a fee. Typically, for example, an adult daughter may enter into an agreement that specifies what care she will provide for her aging mother.SOCIAL
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HOME-KAHLER FINANCIAL GROUPOUR PURPOSE
_To transform the financial and emotional well-being of people._CONTACT US
OUR BRAND
As a South Dakota-based fee-only financial adviser, Kahler Financial Group’s mission is to be an advocate in helping people make wise financial decisions that contribute to their prosperity and happiness. We do this by understanding your money history, objectively assessing your current situation, and offering options that will solve problems and create the future you desire.FINANCIAL PLANNING
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OUR WORK
At Kahler Financial Group, our adviser planning goes far beyond helping clients build and preserve financial resources. Our team provides client-focused financial planning focused on your best interests that is free of the typical conflicts of interest inherent when working with a non-fiduciary, commission-based advisor. We offer investment adviceand wealth
management to help you build wealth, and asset protection strategies to help you preserve it. Our services allow you to create the financial security you need to enjoy an active and independent retirement . We can assist you to define the legacy you want to leave your family and community, as well as put strategies in place to carry out that legacy. Even more important, however, we work with you to use your resources in ways that will best meet your needs and help you achieve your dreams and goals. We take a personal, holistic approach to financial planning, helping you make balanced and wise use of both your financial and non-financial resources to enrich your life.OUR TEAM
Our team commits themselves to helping people transform their financial and emotional well-being. Each team member brings the expertise, judgment, diversity of thought and experience required to make responsible and thoughtful plans for all of our clients. Kahler Financial Group, Inc., is an Investment Adviser registered with the SEC. Advisory services are only offered to clients or prospective clients where Kahler Financial Group, Inc., and its representatives are properly licensed or exempt from licensure. Kahler Financial Group, Inc., will give advice only if they are licensed or otherwise qualified under state and federal laws to do so. This website is solely for informational purposes. No advice may be rendered by Kahler Financial Group, Inc., unless a client service agreement is in place. Kahler Financial Group, Inc., provides links for your convenience to websites produced by other providers or industry related material. Kahler Financial Group, Inc. is not responsible for errors or omissions in the material on third party websites, and does not necessarily approve of or endorse the information provided. For questions or to report any problems, please contact us. Kahler Financial Group 1010 9th Street, Suite 1 Rapid City, SD 57701Tel: (605) 343-1400
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