Kirk A. Kreikemeier, CFP®, CFA, FSA
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Kirk A. Kreikemeier
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Description
Kirk is a fee-only financial planner and investment manager serving clients in a fiduciary capacity. He is an independent Registered Investment Advisor with flexibility to recommend investments and products that provide you the best value. His fees are transparent and come from you, not the products recommended.
Clients
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have particular questions. To answer them and manage wealth properly, a broader view is considered. The client gets answers along with a comprehensive road map to their financial destination of choice.
• Investments consider all accounts and go beyond stocks, bonds and cash to more refined asset classes.
• Efficient use of tax deferred vehicles - IRAs, 529 Plans, health savings accounts - are explored.
• Retirement planning with thoughtful cash flow projections including after-tax savings and Social Security versus varying expenses are used, not just a single number.
• Multiple risks faced in retirement – market, inflation, health care, longevity - are analyzed quantitatively, not subject to general rules of thumb.
• Insurance needs are explored - life, disability, medical, long-term-care, annuities - to protect current wealth and future earnings from unexpected events.
• Proper legal documents help assure your wishes are carried out.
To understand the complex interaction of variables, I utilize my institutional portfolio and risk management experiences and professional studies. I hold key professional designations which demonstrates my grasp of topics and reinforces my rigor and ethics in my analysis. This is my first step in building your trust.
• Certified Financial Planner (CFP®) professional which demonstrates competency in the various topics related to financial planning.
• Chartered Financial Analyst (CFA) charterholder that incorporates markets, economics and the latest investment strategies and techniques for portfolio management.
• Fellow of the Society of Actuaries (FSA) with detailed knowledge of insurance, pension plans and Social Security, showing future cash flows in today’s dollars reflecting interest and probabilities.
Let me know how I can help. My office is in Western Springs IL, conveniently located near I-294 / I-88 by Oak Brook, Hinsdale and Lagrange. I can also arrange for meetings in downtown Chicago or over the internet while sharing my computer screens and video.
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Answers and Guides
Level 15
Level 15 Contributor
25 Answers and 0 Financial Guides
Top Answers
Answered Feb 09, 2013
near Western Springs, IL
With a Traditional and Roth IRA, you can still contribute for the 2012 tax year through 4/15/2013. Limits are $5k in '12 and as stated above, $5.5k in '13. If married and have the cash, that is $21k now!
If you use a traditional, you have higher income
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With a Traditional and Roth IRA, you can still contribute for the 2012 tax year through 4/15/2013. Limits are $5k in '12 and as stated above, $5.5k in '13. If married and have the cash, that is $21k now!
If you use a traditional, you have higher income thresholds to retain deductibility (unlimited if single or married and spouse also doesn't have employer plan) but it gets nuanced if spouse has a plan.
If self-employed the SEP and SIMPLE as stated above will be lower cost than solo 401(k). 2012 SEP can be done through tax filing but SIMPLE is closed for 2012. The SEP has higher limits - $51k in '13 - but limited to 25% of income; SIMPLE is flat $12k limit regardless of (but no higher than) actual income so the best choice depends on expected income.
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Answered Sep 08, 2012
near Western Springs, IL
Yes your primary consideration is the appropriate asset allocation. But once you have that, it is worth picking up additional value by considering asset location. In addition to the comments mentioned, if you have both a Roth and Traditional IRA, put
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Yes your primary consideration is the appropriate asset allocation. But once you have that, it is worth picking up additional value by considering asset location. In addition to the comments mentioned, if you have both a Roth and Traditional IRA, put your highest expected return assets in the Roth since any investment gain comes out tax-free where the traditional IRA gains come out and taxed as ordinary income.
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Answered Sep 12, 2012
near Western Springs, IL
This reminds me of an ad I saw showing an airplane's cockpit with the numerous gauges and dials. The line was something like "managing your own retirement plan is easy, once you know what you are doing." So yes, check the sources that David mentions
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This reminds me of an ad I saw showing an airplane's cockpit with the numerous gauges and dials. The line was something like "managing your own retirement plan is easy, once you know what you are doing." So yes, check the sources that David mentions but make sure after you have all the gauges and dials, you know what to do with them or seek help.
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Kirk A. Kreikemeier, CFP®, CFA, FSA has not contributed any Financial Guides on Financial Q&A.
*Answers and guides are provided without compensation.
Advisor Information
Advisor Assets Under Management
$567.2K
Estimated Average Account Balance Per Client
*An individual AUM and number of accounts has been entered by the advisor and has not been verified.
Firm Client Types
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Individuals |
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High Net Worth Individuals |
*The Client Types data displayed is firm level data as reported on the SEC ADV filing.
Experience and Employment History
*Experience and Employment History information reflects the past 10
years of employment as reported on the SEC ADV filing as of 01/14/2008, and is not a complete representation of the advisor's experience and
employment history. Furthermore, the advisor is required to provide this information only while registered with an investment advisor firm
and the information is not updated through Form U4 after the advisor ceases to be registered. Therefore, an employment date of "Present" may not reflect the advisor's current employment status.
Licenses and Conduct
| Regulator |
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License Status
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Registered
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Disclosures
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| As of Date |
01/14/2008
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*This advisor may not be SEC registered. The SEC maintains the database for state registered advisors as well as SEC registered advisors.
*A single dispute is often reported by both the SEC and FINRA and therefore will be reported as both an SEC dispute and FINRA dispute in this section.
Advisor Exams
Advisor Compensation Arrangements
Fee Only
Advisor
This advisor has certified that they are compensated solely by their clients,
and do not accept commissions or compensation of any kind based on the products they recommend.
Types of Compensation Arrangements
|Percentage of Assets+(80%25))
