What Exactly Does My Financial Planning Experience Include?
Choose The Life Stage Below That Best Describes You
Make It Grow
The planning experience in this stage is designed for people who are still working and are being forced to balance multiple financial goals such as retiring as soon as possible, buying a house, paying off student debt, and saving for college, all while growing your assets, family, and your career. I will help you create a plan that grows the wealth you will need to retire early, without having to sacrifice your happiness in the present. We focus on:
- Calculating exactly how much to save in which types of accounts
- Asset allocation and portolio recommendations
- Tackling student loans and other debt
- Employer benefits optimization
- Planning for large financial goals such as home purchases, college expenses, weddings, etc
- Managing your cash flow
- Unbiased rollover advice
- Unbiased 401(k) and 403(b) plan reviews
- Organizing your finances in detail
- Making sure you have proper insurance coverage
- Managing life transitions
Close To Retirement
Make It Flow
This planning experience is designed for those who are in the last stage of their career and are ready to consider what life looks like after work. Retiring in your 40's, 50's, or early 60's is more challenging than retiring when you are already old enough to benefit from Social Security Income, Medicare, and pensions. We'll focus on creating lifetime income and minimizing taxes through:
- Tax efficient Roth conversion strategies
- Tax efficient withdrawal strategies
- Healthcare expense planning
- Detailed future cash flow analysis
- Social Security optimization
- Pension option analysis
- Unbiased rollover analysis
- Strategic asset location
- Asset allocation and portfolio recommendations
- Worst case scenario stess testing including projecting the impact of higher taxes, higher inflation, lower returns, decreased SS benefits, stock market crashes early in retirement, longer longevity, and higher healthcare expenses
Why Trust Kevin Burkle, CFP®?
I have been a CFP® for 10 years, I've been in the financial advice industry for 15 years, and I started investing when I was 16. I have a lot of experience and expertise for someone my age. Because of my flat-fee, advice-only financial planning model, you won't ever have to wonder if the advice I'm giving you is truly in your best interest. Without that mental roadblock, we are empowered to really take action and improve your financial wellbeing.
I Am Required To Act As A Fiduciary 100% of the Time
As a CFP® who operates an independent Registered Investment Advisor Firm, I am required to act as a fiduciary 100% of the time. This is different from CFP®s or anyone who calls themselves a financial advisor but works at an insurance firm, brokerage firm, or hybrid firm.
Reduced Conflicts Of Interest When Compared To "Typical" Advisor Model
Unlike the vast majority of firms, I charge a fixed, flat dollar fee that is agreed upon up front. This means my compensation doesn't change based on the advice I give you. The same can not be said for advisors who charge portflio management fees or sell insurance products.
Reviews of HCP Wealth Planning
*These testimonials were provided as Google Reviews by actual clients of HCP Wealth Planning. The clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials. To read all our Google Reviews, please click here.
I was on the hunt for a financial advisor to find out if my husband and I can afford retirement. I sat down with various types of financial advisors, some even connected with the bald guy, and all of them are only interested in two things: the size of our portfolio (one of them requires a $1M portfolio), and all of them work using the AUM model, who gets paid based on the size of your portfolio, whether it earns or not.
We went with Kevin of HCP Wealth Planning and we’re so glad we did. Here’s what we got working with him:
1. He is a flat-fee financial advisor, meaning it doesn’t matter what the size of your portfolio is.
2. Great communication via email and virtual meetings. No question was left unanswered.
3. Clarity of our financial picture. We found our biggest money drain.
4. He will make you work by making you visualize and plan what you want to do from here on out, up to the time you retire, and during retirement.
5. His financial software and the cash flow analysis allowed us to see our net worth, and gave us the picture of our spending plan now and during retirement.
6. A withdrawal plan that will put more money in your pocket.
7. Various appointment schedules that will work with your work schedule.
8. Financial literacy. There are no stupid questions when it comes to your hard-earned money, and he answered them all patiently.
9. Peace of mind knowing that we can retire earlier than 65, even pay for health care coverage outside of our employment before Medicare kicks in, even long-term care services.
10. He is not a pushy salesman who makes you buy other financial stuff. He will not make you put your money into an IRA that other financial planners want you to do so they dip into your money (the AUM model).
I can go on and on. If you are looking for a financial planner who has your best interest at heart, you will not regret getting his services.
- Shelly N, Client
I would highly recommend Kevin and have referred others to him for financial planning and advice. He is very thorough and makes recommendations based on his expertise but is also willing to be flexible based on my personal situation. Because of Kevin’s guidance, I feel confident in my financial future and have the tools needed to monitor my progress.
- Lynn H, Client
Kevin was an absolute pleasure to work with he is a knowledgeable financial advisor and cares about his clients. As a registered nurse I’m fortunate to have good income and knew I needed help to make my money work for me other than just saving it. I did a ton of research on financial advisors and found Kevin through an article on a nursing website, this was important to me as he had experience working with other medical professionals. Kevin helped me gain an invaluable amount of knowledge on my personal finances and helped me set up many accounts such as IRAs, HYSA, and brokerage accounts. I can’t say enough good things about Kevin. He is a down to earth guy which makes this process way easier. Communication is key and Kevin excels in this and answered every single question I had. I would 100 percent recommend working with Kevin.
- Erick F, Client
We where delighted to have Kevin's assistance and expertise in helping us work through finances with our international readjustment, college and retirement plans. Kevin took time to get to know us as a family, asking great questions, and was very warm and easy to be with. He responded quickly to any needs we had and was extremely helpful in guiding us with a great plan for the future. We would highly recommend Kevin's work!
- Ali G, Client
I would highly recommend and refer anybody to Kevin. He is very thorough. He educates and most importantly takes time to listen and understand your priorities. Retirement is a big, complex decision. Kevin helps you understand and gives you a roadmap. There is not a single question he could not answer. I really like the flat rate pricing and the ability to access my data even after our evaluation period ended. These are features you don’t get from others.
- Josiah P, Client
My fiancé and I were in desperate need of financial advice. Like most medical professionals and recent graduates, we were going through a unique transitional period with our finances. We reached out to several financial planners with hopes of finding someone to guide us towards the best possible financial outcome. Thankfully, we found Kevin B at HCP Wealth Planning. I can honestly say that Kevin was everything we were looking for in a financial planner. He had clear communication skills and the ability to deliver information in a manner that was easily understood. He helped us create a comprehensive plan for tackling our student loan debt, saving for our wedding/ honeymoon, new home, retirement, investments, etc. We were able to create a spending plan in the HCP financial portal that’s both realistic for our current needs as well as planning and saving for our future. We are pleased with our decision to work with Kevin and would highly recommend him.
- Renee M
I worked with Kevin on a flat-fee basis to put together a comprehensive financial plan. He was a pleasure to work with and he taught me way more than I was expecting. It's clear he cares about his clients and is very knowledgeable. He ensured that all of my questions were answered and that I understood all of his advice clearly before ending any of our meetings. He also put in extra effort to model many "what-if" scenarios so that I could see how that impacted my financial goals. I highly recommend Kevin to anyone looking for a financial advisor. Unlike some other advisors that I considered, he does not pressure you to purchase any additional services or have him manage your money.
-Jay S - Client
Kevin is not just one of the best financial advisors I've ever worked with, he's one of the best professionals I've ever worked with. He's extremely knowledgeable, kind, flexible and honestly a joy to work with. He went above and beyond in terms of collecting data to help us make the right decisions as we prepare to buy our next house and I find myself looking for opportunities to recommend him to my friends. If you're looking for a financial advisor, definitely get in touch with Kevin.
I worked with HCP Wealth Planning as a "by the gig" customer, meaning we paid a one time flat fee for a comprehensive analysis of all our financial goals, and the design of a financial plan to achieve them. Kevin is very responsive by email, and is available to meet on weekends and after work hours. In addition, Kevin's approach to financial planning revolved around encouraging us to identify all our financial goals, no matter how crazy they seemed, and helped us realize those goals were not as crazy after all if you can stick to a simple saving plan and keep your cash flows under control. Kevin uses an intuitive electronic platform which allows you to easily visualize your financial plan, and see how your "chance of success" improve or decrease based on changes to salary, expenses, market performance, etc. I wholeheartedly recommend working with Kevin, even if you're already financially savvy; having an expert set of eyes look at your current finances will reveal a lot of possibilities you may have not considered.
Kevin with HCP Wealth Planning was an absolute pleasure to work with. We came in with a fairly complex situation with a lot of moving pieces to put together a financial plan for retirement. Kevin did a terrific job of organizing all of our information and building out all of the different scenarios we wanted to model. The software he uses is top-notch, and we came away with a solid retirement plan with all of our variables rolled in.
Worked with Kevin for a “by the gig” review of our finances. We had several goals and points of clarity which were all answered. The electronic platform is easy to use. Kevin was responsive and had flexible hours to meet our schedule.