Board Member

Business Marketing

Michael Kelsey - Financial Advisor in Dublin, OH | WiserAdvisor.com

Primarily, we are committed to the individual. We believe in building trustworthy relationships that allows us to truly get to know our clients. We like our clients, and we enjoy working with them.  By taking a process driven approach, we can get to know and understand our clients' unique and complex needs. By putting the relationship first, we can offer a client driven experience, one that is guided to each of our client's values and objectives with the ability to adjust to changes along the way.

LPL Financial

We help business owners take advantage of strategies that address common problems such as business continuation and key man protection to name a few. A comprehensive approach helps to ensure that crucial details do not go undetected. In addition, we work with owners to establish and review employee retirement plans.

We strive to identify where you are currently in relationship to your financial goals and highlight those issues that may represent a potential obstacle in pursuing your goals. Our personal service begins with an analysis of where you are today and we then project that into the future to see where you are in relationship to your goals.

We provide customized investment management services based upon a process and your comfort level with risk and long- term objectives.

In developing your investment strategy, we start with a process of discovering who you are, what your priorities are, and what you want to achieve. Then we apply that to manage investment solutions that best fit your unique needs. We offer a range of investment and services to help you pursue your goals: Individual stock portfolios, individual bond portfolios, comprehensive portfolio management, ongoing investment monitoring, asset allocation, hedging strategies, risk management, income strategies, tax planning, and periodic portfolio reviews.

Whether you are just beginning to save for retirement or nearing retirement, we can help you with investment strategies and guidance that are suited to your unique financial situation. We collaborate with you to stay on track to live the retirement you want: We will develop a clear picture of your current financial situation. We help you decide when to retire. We show the income your investments could provide compared to your needs and goals. We will implement strategies designed to generate income, manage risk, and protect against inflation. We will continuously monitor your plan, adjusting as markets and your circumstances change.

A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. For balance, please update your material to include each option below:

" Leave the money in his/her former employer's plan, if permitted"; "Roll over the assets to his/her new employer's plan, if one is available and rollovers are permitted";
" Roll over to an IRA"; or
" Cash out the account value."

We sit down with each of our clients and look through their risk management needs to help determine if insurance is a specific need or if what you have is sufficient. If an insurance product is found to be helpful to protect the client, we go through the advantages and disadvantages of several types of insurance products to help them understand what may help benefit them.

Education on the proper use of annuities and incorporating them into your retirement plan if needed and desired. Review current contracts to make sure that they are a fit and that you understand what you have.

Estate Planning includes many aspects ranging from the establishment and updating of wills, trusts, insurance, long term care, beneficiary designations, Powers of Appointment, and gifting. With the ever-changing tax law, healthcare overhaul and other dynamic issues at play, it is increasingly vital to make sure you are up to date in each of the spaces to ensure your wealth is protected from unnecessary tax burdens. We will also collaborate with your existing team of CPAs, Attorneys and others as needed, to prioritize your comfort and financial well- being.

We coordinate our planning process with your CPA to ensure you are taking advantage of every possible tax saving strategy available to you.

We review the diverse ways to fund and plan for education kids and grandkids. We help clients examine and plan for college funding needs, identify tax-efficient funding vehicles, and develop and can implement wealth transfer strategies.

We provide wealth management solutions tailored to your financial objectives. From personal planning to performance reporting, we can assist you at every phase of accumulating, protecting, preserving and transferring your wealth.

We will assist you in understanding where you are today to set realistic financial and personal goals for the future We will design and implement strategies to coordinate the areas of Risk Management, Investment Management Services and Legacy Planning. We will collaborate with you to monitor and review on an ongoing basis.

Clients should only accept as level of risk as necessary to achieve their financial goals. We design portfolios for more than the priority of just returns - eliminating undue risk is an equally important objective. Risk is a necessary part of investing, it is essential to manage those risks and find the right balance between risk and expected return for each client. We offer a comprehensive risk assessment to help clients identify, understand, and quantify sources of risk.

LPL Financial

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