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Overview

Services

Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
  • Pension Consulting
    • -401k
    • -403b
  • Portfolio Management
    • -Individuals and/or Small Businesses

Funds

Funds Used With Clients

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

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Kaplan Financial Advisors LLC 13 years, 5 months Jan 2004 - Present
Kaplan Financial Advisors LLC 13 years, 7 months Dec 2003 - Present

Designations & Memberships

  • National Association of Personal Financial Advisors
    Membership
    National Association of Personal Financial Advisors
    NAPFA, the National Association of Personal Financial Advisors, is the nation’s leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
  • Certified Financial Planner
    Designation
    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.

Articles and Answers

Insights by Eve Kaplan

Variable Annuities - Buyer Beware
Published 2012-07-02 07:23:09
You’re Finally Retired – Now What??
Published 2012-03-07 10:47:56
Squeeze More Juice Out of Your 401(k) Plan
Published 2012-03-07 10:42:50
Why It Matters How Your Advisor is Paid!
Published 2012-03-07 10:37:19
How to Enjoy Retirement Before You Retire
Published 2012-03-07 10:32:20
Taxes: Being Smart Amid Uncertain Times
Published 2012-03-07 10:26:36
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    What's the main difference between a B share and an A share? Should I switch?
    Hi Elliot,SBUPX is a B share. Being a B share, it will levy a surrender penalty that gets phased out over time. You need to clarify how many years the surrender penalty runs until it reaches 0%. A shares can have as higher (or a higher) one-time front-end charge. I believe most of my fellow advisor...  (more)
    Answered May 2012
    Is investment in raw land considered a low risk, moderate or high risk investment?
    Travis' comments are correct. Raw land should be contemplated with great care and only be considered in addition to a core portfolio of liquid assets (various types of stocks, bonds, alternative investments). REITs are a much more liquid way to invest in real estate. Your comment about tax implicati...  (more)
    Answered Mar 2012
    How often should I review my portfolio?
    Jeffrey raises a good point --investors do better when they avoid changing their portfolios often (typically in response to the market). Why? Investors typically sell at low points (sell into weakness) and buy at higher levels (buy into euphoria). The best policy is to select a model portfolio (ide...  (more)
    Answered Feb 2012
    Is additional disability insurance necessary?
    Hi Jacob, That's a great question. Your disability through work may be 50% or 60% of your normal take-home pay, which is taxable income if your employer pays for it. If disabled, you would need to calculate your ability to get by on e.g. 60% of your income pre-tax. Given your age, stand-alone disab...  (more)
    Answered Apr 2012
    Should I play it safe now that I'm retired?
    Dear Lionel,My answer is very general since there are a number of variables I can't know about you (which typically would affect this answer). If you're in your 60s, just retired and live into your 90s, you may have another 1/3 of your life to finance with investments. You may consider gradually sh...  (more)
    Answered Mar 2012
    Should both spouses have life insurance coverage?
    Hi Tanya,Even though you don't earn an income, you have economic value - if you died last week, your husband would need to engage someone to help run things at home and stay with your 2 children. At the very least, you can calculate the value of doing that until both children start college. It's tr...  (more)
    Answered Mar 2012
    Should I rollover my smaller 401k accounts into an annuity?
    Dear Carter,I recommend rolling your 401(k) accounts from previous employers into a Rollover IRA at a low cost provider (Vanguard is a good example). A guaranteed return annuity is not a great idea for several reasons: 1) if you're not yet retired, it would be a deferred annuity, 2) interest rates ...  (more)
    Answered Feb 2012
    What's the best age to buy long-term care insurance?
    Dear Auburn,Conventional wisdom is to consider this insurance in your 50s - assuming there are no health issues that prevent you from being underwritten at that time (and no one can predict the future!). Remember that paying for this insurance sooner means lower premiums but many more years of prem...  (more)
    Answered Feb 2012
    Is it a good idea to invest in my company's stock?
    Dear Amelie,I think Ryan covered all the essential points here. You already are exposed to your company significantly since it's the soure of your livelihood. I typically don't recommend a client have more than 5% (maximum 8% or so) in any one stock. Your decision should be affected by the long-ter...  (more)
    Answered Mar 2012
    What is the process for an IRA rollover?
    Dear Conrad,Here is a logical sequence to follow: 1) set up or use an existing Rollover IRA account elsewhere 2) contact your previous employer and ask that these assets be liquidated and transferred (preferably directly to the new Rollover IRA account) and 3) confirm with an advisor or tax special...  (more)
    Answered Mar 2012
    Can I deduct moving costs?
    Here's information directly from the IRS that may answer your question:If you moved due to a change in your job or business location, or because you started a new job or business, you may be able to deduct your reasonable moving expenses but not any expenses for meals. To qualify for the moving exp...  (more)
    Answered Feb 2012
    What are the benefits of dollar-cost averaging?
    Dear Gerrit,Dollar cost averaging is beneficial since it takes "market timing" out of the equation. Studies show individual investors who try to "market time" (buy low, sell high) inevitably end up doing the opposite. When individuals typically buy high (during periods of enthusiasm) and sell low (...  (more)
    Answered Apr 2012
    What are the most important parts of the Form 10k to focus on as an investor?
    Dear Noah,Since the Form 10K is a very detailed analysis of the internal workings of a company, the most telling way to answer your question is to ask "why are you reading it"? Most investors - even in individual shares - don't go to this level of due diligence. Who told you it was important to rea...  (more)
    Answered Apr 2012
    How do I know how much of my donation is actually going to the mission of the charity?
    Dear Sadie,You can go to www.charitynavigator.org to see if your charity is listed there. This organization goes through data to assess how much of your donation goes to the end-user vs. e.g. admin costs. If your charity is not listed there, you can call them and ask if they can disclose this infor...  (more)
    Answered Mar 2012
    What is a 457 plan?
    Hi Raleigh,A 457 Plan is very similar to a 401(k) or 403(b) plan - these plans are deferred-compensation retirement plans available to government (and certain non-government) employers in the US. The main difference with a 401(k) plan is that there is no 10% penalty for withdrawal before the age of...  (more)
    Answered Mar 2012
    How often should I meet with my financial advisor?
    Hi Joaquin,There is no set rule regarding frequency of contact - I hate to say "it depends" but I can say you should have enough contact to cover questions you have and to make sure your advisor is fulfilling his/her obligation to you - be it monitoring and rebalancing your investments, updating yo...  (more)
    Answered Mar 2012
    Is there a "golden number" of mutual funds I should invest in?
    Eddie, Travis mentioned multiple target date funds, which are a simple, effective solution. In line with this thinking, you can consider one-stop-shop solutions from e.g. Vanguard which do not adjust over time but retain a general bonds/stocks/cash allocation. The Vanguard LifeStrategy mutual funds...  (more)
    Answered Feb 2012
    How do I find my 401k?
    Hi Michael,Contact the HR Dept of your former employer - they will be able to direct you to your account (even if the plan provider has changed)....  (more)
    Answered Feb 2012
    Is it better to have money in a 403b or Roth retirement account?
    Dear Quincy,Your decision will be governed in part by the immediate tax consideration - since shifting money from a tax-deferred account to a Roth qualified account requires you pay ordinary income tax on the entire balance. In the future, all contributions to a Roth savings plan will preclude the ...  (more)
    Answered Mar 2012
    I am retired but think I may have money in a 401K with Florida Tile. How can I gain access?
    Hi Douglas,Please call Florida Tile HR directly. I googled the company - if I have the right entity, their corporate office tel number appears to be: 1-859-219-5200. Whatever money you personally put into your 401(k) belongs to you at all times (may have increased/decreased due to market changes) b...  (more)
    Answered Feb 2012
    Why can a high yield be an indication that a stock price is about to drop (or is already falling)?
    Dear Cameron,JCP has paid a flat dividend for many years but the share price has fallen significantly this year (from nearly $43 in early Feb 2012 to the current $28. As a result, the current dividend yield has increased to 2.85%.. A rising or relatively high dividend yield will be a function of a ...  (more)
    Answered May 2012
    I have about 245,000 in my 401k....am I on target for my retirement ? I'l be 53 next week.....?
    Hi Brian, Congratulations on building this nest egg...keep deferring as much as possible! You're ahead of the average amount of 401(k) assets amassed for someone your age. To answer your question - a financial planner is better equipped to tell you if you're on target for retirement (or not) by loo...  (more)
    Answered Jun 2012
    What is my vested amount?
    Dear Archie,There are a number of ways you can be vested in a plan, but no single way. You won't find this information on your quarterly statement, either. The only way to confirm your vested amount is to contact the firm or advisor listed on your quarterly statement. Your company HR also should be...  (more)
    Answered Mar 2012
    Does this plan have a hard ship clause to it for brothers over 55?
    Hi George,Plans can have different rules governing hardship withdrawals. You need to clarify with the plan administrator at work to see if their hardship withdrawal rules mean you must pay a penalty. According to the IRS, a a 401(k) plan must provide the specific criteria used to make the determin...  (more)
    Answered Feb 2012
    Can my 16-year-old make a Roth IRA contribution?
    Dear Randy,Your 16-year old can make a Roth IRA contribution if she/he has reported earned income in e.g. 2011 (you have until 4/15/12) or 2012. The maximum contribution per year is 5K Roth IRAs beat any other form of savings since returns above principal grow tax-free forever. However, the stickin...  (more)
    Answered Feb 2012
    Are there penalties for pulling money from my 401k plan to help pay for my aging mother's care?
    Hi Ken,You need to confirm with HR what the rules are for hardship withdrawals. It would be a pity if you need to take money from your retirement account since it's hard to rebuild your much-needed retirement savings once you've tapped funds. Are you able to pool support costs with any other family...  (more)
    Answered Feb 2012
    Is children's life insurance necessary?
    Hi Gayle,If you have sufficiently funded your retirement, 529 Plan savings for your children AND covered your own insurance needs (life, long-term care) then - and only then - does it make sense to consider life insurance for your son. The only insurance I would recommend is a small permanent polic...  (more)
    Answered May 2012
    I was a self employed corporation with a defined benefit plan that I terminated and closed the corporation. I move to another state and started a new company and wanted to start a new corporate defined benefit plan (on myself as the sole employee). My advisors tell me that I can't have 2 DBPs and th
    Hi DANE,You can receive two different pensions from a defined benefit plan as a retiree, but you can't necessarily contribute simultaneously to two separate defined benefit plans while you're employed. You indicated you closed your former plan and terminated your former company, so your question se...  (more)
    Answered Mar 2012
    401K distribution request?
    Dear Priscilla,You can contact AEP Industries HR re: your 401(k) plan. Please note you must begin taking Required Minimum Distributions (RMD) from your 401(k) by the time you turn 70 1/2. You may elect to take Social Security earlier (we planners tend to recomend postponing Social Security as long ...  (more)
    Answered Feb 2012
    Can you tell me when my account was closed?
    Hi John,If you know where your account was held (e.g. a broker or bank), locate their phone number and ask them. They may need to confirm your identity with security questions. It's helpful if you have a recent statement indicating your account number, etc. ...  (more)
    Answered Mar 2012
    What are the differences between a variable deferred annuity and a fixed deferred annuity?
    Hi Santos,I hope my colleagues also will comment on this one - it could take many pages to fully address your question. Briefly put, both annuity types you mention are deferred (create a stream of payments in the futreu) but variable annuities invest in mutual funds so the value is "variable." The ...  (more)
    Answered Feb 2012
    What is the best target date fund for someone who is 25 years old but is very conservative?
    HI Brooke,Every target date fund lineup is different. I'm assuming your age-based offering has you invested in 80-90% equities. If you're more conservative, go through the line-up and select something that is closer to 50/50 equities/bonds or 60% equities/40% bonds. Please also note your selection ...  (more)
    Answered Feb 2012
    Can I borrow money against my life insurance policy?
    Dear Rhonda,You can borrow against your life insurance policy if it's a permanent policy with a growing cash value. Call the broker who sold you the policy, or the company, to confirm the logistics. Here's some relevant information: "Because permanent life insurance policies result in the accrual o...  (more)
    Answered Feb 2012
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Oct 3, 2015
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        N/A
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Advisor

      Last updated on April 25, 2017
        • $30.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 91
          number of clients
        • $329.7K
          Estimated Average Account Balance Per Client

      Kaplan Financial Advisors LLC

      Last updated on March 8, 2017
        • $93.1M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 23
          number of clients
        • $4.0M
          Estimated Average Account Balance Per Client

      Fees

      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