Social Security Optimization 

There are over 2700 rules on the books that govern Social Security. A typical couple has 567 possible ways to file for their benefits. Studies show that 90% of Social Security recipients receive less money than they are entitled to receive. What are the chances that you can pick the best strategy? At KLFM, we work to develop the optimal strategy to fit your financial goals and comprehensive financial plan.

Tax Efficient Distribution Strategies

Many people tend to think that the accumulation of assets is the most difficult part of achieving a fulfilling retirement. But that is just one side of the equation: taking distributions from your various accounts can be similarly difficult. We help you determine not just how much assets you should acquire, but also from where these assets should come. Our approach can help you save significant amounts of money from taxes. In short, we develop strategies for both sides of the equation.