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Todd Kading, CFP®, ChFC®, RF™

Dedicated to fixing the US retirement sytem, even if it is done one plan at a time.

Leafhouse Financial Advisors, LLC



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Advisor Services

  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Cambria Capital, LLC 9 months Jun 2010 - Mar 2011
Purshe Kaplan Sterling Investments 4 months Jan 2010 - May 2010
Leafhouse Financial Advisors, LLC 11 years, 2 months Feb 2009 - Present
Leafhouse Financial Group, LLC 11 years, 7 months Sep 2008 - Present

Designations & Memberships

  • American Society of Pension Professionals & Actuaries
    American Society of Pension Professionals & Actuaries
    The American Society of Pension Professionals & Actuaries is the premier educator and policy advocate for over 7,500 career professionals actively engaged in the retirement plan industry.
  • National Association of Independent Retirement Plan Advisors
    National Association of Independent Retirement Plan Advisors
    The National Association of Independent Retirement Plan Advisors (NAIRPA) is a leader in the transformation of the national retirement system to improve transparency, effectiveness, and governance.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Registered Fiduciary
    Registered Fiduciary
    The Registered Fiduciary™ (RF™) designation identifies financial professionals that have achieved pertinent academic qualifications and licenses, learned required practices, and have passed a background check.

Articles and Answers

Insights by Todd Kading

How To Manage A Retirement Plan?
Published 2012-07-09 12:38:06
Roth 401(k) Basics: What is a Roth 401(k)?
Published 2012-07-09 12:44:21
How Much Should You Save For Retirement?
Published 2012-07-19 13:02:55
403(b) Overview: It is not a 401(k).
Published 2012-08-02 09:50:42
Charities: Retirement Plan Perplexity
Published 2012-07-03 15:21:13
401(k) Basics: How do they work?
Published 2012-07-09 12:27:28
Lifting the Veil on Retirement Plan Bilking
Published 2012-07-03 14:40:28
Budgeting for baby... Simple Steps
Published 2012-07-03 14:23:06
Top 5 Secrets about Your 401(k) Plan
Published 2012-07-03 14:11:37
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I have a pension through my employer, should I also invest in an IRA or Roth IRA, or invest in individual securities since my risk tolerance is a bit higher than an average pre-retiree?
    Miranda,Here is a guide to each type of IRA.Roth IRAs They are tax-favored financial vehicles that enable investors to save money for retirement. They differ from traditional IRAs in that taxpayers cannot deduct contributions made to a Roth. However, qualified Roth IRA distributions in retirement...  (more)
    Answered Jul 2012
    I'm getting divorced after 14 years of marriage and suddenly find myself out of 1/2 of my 401k savings. I'm 46 and need some advice on how to rebuild my retirement savings?
    Best wishes in your new life. Here are a few quick ideas to be considering.Work out a personal budget and track your expenses. Often times new divorcees completely mismanage their budget because they are not used to the new income and expense level.Don't make immediate and large purchases. S...  (more)
    Answered Aug 2012
    I am in a defined benefit plan with my employer (government). Are voluntary contributions tax deductible?
    Jim,Here is info from the State of Texas ERS system. This may differ in your state."If you are an active employee, you may purchase AdditionalService Credit (ASC) if you have at least 10 years of actual ERSservice credit (not counting military service). ASC can advanceyour earliest retirement ...  (more)
    Answered Oct 2012
    Why shouldn't I take 401k loans if I am paying myself back the interest?
    The shortest answer to whether or not you should take out a 401(k) loan is as follows:No. The 401(k) is not the Swiss Army Knife of financial planning. It is not meant to be your cash reserve or your new red truck account. It is meant to be a long-term saving and investing vehicle. The purpose o...  (more)
    Answered Jul 2012
    I have a small company with 65 employees and want to switch to the lowest cost 401K plan possible to give my employees the highest return on their 401k and not lose a significant amount of money long term due to high expenses. Can someone please recommend a plan with low costs?
    The info already shared is great, but I would say that I am not sold that the 401k is the right way for you to go. There are several other types of retirement plan designs, and your stated objective might not mesh with a 401k. If you want to give your employees' the highest return possible and not h...  (more)
    Answered Aug 2012
    What happened to Hartford Life's plan to get out of managing retirement plans? Should we be looking for a new company to manage our 401k?
    You do not want to just sit tight with a provider that is on the auctioning block. Your service suffers for a variety of reasons:1. service people afraid for their job.2. turnover due to service people leaving.3. lack of product viability due to no new sales.4. lack of support from parent compa...  (more)
    Answered Aug 2012
    I am the CFO of my company and we offer a 401k plan, how do I know if I am a fiduciary?
    Just to follow-up on a few posts I saw here. If you are the CFO, it would be very hard for you to claim no fiduciary responsibility. As mentioned, you could hire a 3(38) Investment Manager to alleviate much of your Investment Fiduciary responsibilities. If you elect to bring on a 3(38) ERISA Fidu...  (more)
    Answered Jul 2012
    My 401k does not match. The money market fund it offers charges me a hefty fee to park money in it and pays zero return (in these times of low interest). Can I stop contributing to the 401k and start putting that contribution into and IRA with a discount broker and maybe be able to invest in individ
    Great answers from others on here. I would add that you need to be careful when investing in fixed accounts and/or stable value options that may be offered instead of a money market with hefty fees. Fixed and stable value choices can come with surrender periods, market value adjustment terms, lock...  (more)
    Answered Oct 2012
    We are changing 401k providers. Do I have to "accept" the Financial Advisor that ADP is providing or can I interview several and select the one I like?
    John, if you are a responsible plan fiduciary, you are required to preform a prudent due diligence process when selecting any service provider, including a financial advisor for the plan. This means you are ultimately responsible for selecting a quality and cost effective advisor for the plan (assum...  (more)
    Answered Jan 2013
    What's a safe withdrawl rate for retirement?
    Great info from everyone here. I wanted to give you a bit of info about the actual withdrawal of assets from your retirement plan. This will help you understand the intricacies of taking money out of qualified plans.Retirement Plan DistributionsWhen it comes to receiving the money accumulated in...  (more)
    Answered Aug 2012
    After 25 yrs i just found out they dont need me. What do i do with my 401k? Company matched.i am 60 yrs old.
    Short list of choices:1. leave it and let it stay invested within the current plan2. take a distribution and pay taxes on the amount you withdraw3. roll it over to an IRA and don't pay taxes until you take money from the IRA4. some combination of thoseJust remember that the biggest decisions ar...  (more)
    Answered Mar 2015
    I would like to know if I could cash out my 401k?
    Heather,I am assuming you are under 59 1/2 years old. Please be sure to consult a tax advisor for specifics on any of this. If you absolutely must draw from your 401(k) before 59-1/2, there are a few ways it can be done.Hardship withdrawalsYou are allowed to make withdrawals, for example, for ce...  (more)
    Answered Dec 2012
    ... in a company 401k.(60% company stock,40% target date retirement plan. Should I cancel the target date plan, and re-allocate (i.e. 20% company stock, 20% S&P, 20% bond, 10%cash etc? I have a separate Brokerage and also a high APY online savings.?
    Larry,I am not a complete fan of Target Date funds. If you would like a brief overview on video, check out the following link. It is a vlog I did on target date funds a while back.  (more)
    Answered Jul 2012
    A controversial idea to overhaul the tax treatment of 401(k)s from the Brookings Institution has been reincarnated after failing in Senate committee hearings last year. The specific provision would make 401(k) contributions no longer excluded from taxable income, though the government would provi
    As we have all seen, the government can pretty much do whatever it wants. If they decide to make drastic changes to the Qualified Plan rules, I would be no more surprised than when the government Nationalized the auto industry....  (more)
    Answered Dec 2012
    Is it worth contributing to my company's 401k plan if they don't match?
    One of the biggest determining factors as to whether or not you should contribute with no matching is the quality of the investment menu and the cost of the plan to you as a participant. Often, Employer Retirement Plans are actually some of the most expensive investments in the market place. While...  (more)
    Answered Jul 2012
    How Do I prepare our company's 401k plan for 2012 fee disclosures?
    The deadline for 408(b)(2) is now passed. Most plans in the country have done almost nothing to actually comply with the regulation. According to the regulation, a plan sponsor is not only supposed to gather the pertinent fee, service and fiduciary disclosures from the plan providers. But the pla...  (more)
    Answered Jul 2012
    Former employer holds money in defined benefit plan. Now a few options are given: leave it in defined plan, take as cash, rollover to IRA or put in lifetime annuity and start taking money now. Which is best?
    Great answers from everyone here. This answer will drill a little deeper into one option for you.You might want to transfer the money you’ve invested in one or more employer-sponsored retirement plans to an individual retirement account (IRA). An IRA rollover is an effective way to keep your money...  (more)
    Answered Aug 2012
    Why aren't more advisors doing comparative benchmarking for DOL Reg 408(b)-2?
    We have been in front of alomst 1,000 Plan Sponsors in the last year or so. Since the new regs kicked in middle of last year, we have seen hundreds. Almost none of them have done any meaningful reasonableness testing. Some have taken the word of their plan provider via the provider's reporting. N...  (more)
    Answered Apr 2013
    I have 100% of my retirement money in a target date fund. Do you consider that diversified enough or not?
    In my professional opinion, Target Date Funds are not really designed for anyone but the most "typical" investors. How many 60 plus year olds do you know that are not conservative at all? How many 22 year olds do you know that will never save again if they lose one penny in the market? These folk...  (more)
    Answered Jul 2012
    Which of the lowest risk bonds should I switch to?
    Here is a twist I didn't see fully discussed. Government bonds could be the most irrational place for a taxpayer to invest. First, you are lending money to an entity that has force control over you to pay yourself the interest back. Next you place that entity in a position to need to tax you more...  (more)
    Answered Jul 2012
    I have 2 401k plans from previous employers. Should I combine them with an existing rollover IRA or into my new TSP with my new position as a federal employee? Or should I combine all 3 into my TSP to have only 1 retirement account?
    Angela,I am tempted to agree with Paul on this one. The TSP is generally a very low cost plan. True, you do not have the world of investment options available to you; however, you may not be inclined to use the world of investment options. Perhaps you should stick with those choice that have bee...  (more)
    Answered Oct 2012
    I am currently retired and receive a CSRS retirement annuity. I also have a TSP account (401k) that is in addition to my annuity. I have not used any of this money and am wondering if it is a good idea to withdraw some to pay off my car loan? I realize that I will need to pay taxes on that money.
    Assuming the following:1. you are over 59 1/2 years old.2. the amount won't push you into a higher tax bracket.3. the interest on the car debt is higher than the expected return on your retirement plan assets.4. you aren't going to run out and take another loan for something else...Then it migh...  (more)
    Answered Aug 2012
    Is there a way to determine if a particular company offers In-Service Withdrawals?
    Howdy. The quickest way to see if the plan allows In-Service Withdrawals is to take a look at the Summary Plan Description. There should be a withdrawal section that tells you the plan's rules on this. Typically, if allowed, the minimum age on withdrawals is 59 1/2, but plans can vary from that. ...  (more)
    Answered Jan 2014
    I run the 401k plan for my company and some of our employees occasionally ask for personal advice about how much to save or which funds to choose, am I allowed to give them advice?
    The above answers are fantastic. Here are a few more things to ponder.You are a fiducairy to the plan. This means that you can give advice to participants, but you are then liable for the advice. A way to protect yourself to a large degree and yet still help your participants is to engage the he...  (more)
    Answered Jul 2012
    What is a closed end fund?
    If you are trying to keep costs down, seriously look at ETFs. Make sure the ETFs you are looking at are actual index funds. There has been a trend to put together more complex ETF products that are not exactly index based and have higher fees. If you are going to be adding money to the funds on a...  (more)
    Answered Nov 2012
    Should I convert my traditional 401k to a Roth 401k because of the new fiscal cliff deal?
    I would recommend not basing your decision on any transient deals that come out of a "crisis" negotiation; however, I do think you should try to plan ahead along the lines that you are thinking. A basical rule of thumb (and remember that my thumb is probably bigger than your thumb so there really a...  (more)
    Answered Jan 2013
    Where can I find information about 'average' advisory and/or administration costs on 401(K) plans?
    Stephanie, also do not forget that the regulations were specifically changed in the last few years because the Department of Labor determined that the retirement plan fees in the US are too high. This means that any average you look at is going to give you a false sense of relief if your plan falls...  (more)
    Answered Jul 2014
    Is it reasonable to expect that an novice investor like me could turn $5600.00 into $45000.00 within the next 27 years?
    If we believe in the Capital Asset Pricing Model, which measures excess return over the risk free rate, then odds are not likely. If the risk free rate is assumed to be treasuries (risk free is questionable), then you would need to assume an excess return over treasuries of nearly 6% per year for 2...  (more)
    Answered Jul 2012
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Feb 12, 2020
      • license status
        Not registered
      • disclosures
      • as of date
        Aug 2, 2018
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on March 26, 2020
        • $530.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 150
          number of clients
        • $3.5M
          Estimated Average Account Balance Per Client

      Leafhouse Financial Advisors, LLC

      Last updated on March 29, 2019
        • $5.0B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 1K
        • $4.1M
          Estimated Average Account Balance


      Fee Only Advisor
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements