We Are Retirement Legacy Healthcare Planning Professionals

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About Us

Vic Kini, Financial Advisor

I have been assisting clients in retirement income planning since 2013. My main goal is to listen to every client needs carefully and provide a proper retirement planning solution for every client. As an Investment Advisor Representative of Gradient Advisors, LLC, I am a fiduciary for investment advisory services, meaning I am required to act in your best interest when providing investment advice. Insurance products are offered in a separate capacity as a licensed insurance agent. Through my relationship with Gradient Advisors, LLC, I am able to offer services from third-party money managers which allows for a diverse set of portfolios to help my clients align their assets with their financial goals. My goal is to offer my clients a comprehensive, holistic financial plan which puts their best interests first.

Here are some of the things I do offer to my clients:

Our Services

Financial Planning

  • Investment Portfolios from Third-Party Money Managers

  • 401k & IRA rollover and Roth conversion strategies

  • Retirement income strategies

  • Conservative retirement income strategies

  • Annuity planning

  • Social Security maximization

Social Securities

Your Social Security benefit represents years of savings and hard work, which is why we work to help you understand how it fits your retirement strategy. We think it’s important for you to be educated so you head into retirement with a strategy on how you will rely on your benefits.

Medicare

While there is no shortage of things to plan for in retirement, it’s critical to address your health concerns by crafting a comprehensive healthcare strategy. Medicare planning plays an important role in this strategy for many Americans.

Life Insurance

Life insurance may provide some comfort for the policyholder because their loved ones will receive a death benefit when they pass away. It can also offer a number of benefits that may make it a valuable tool.*

Asset Maximization

Our main objective is to assist you in navigating today’s complex marketplace to accomplish your investment aspirations and goals. The recommendations you receive are tailored to you, factoring in your risk tolerance, time frame, and income specifications.

Income Planning

We help you develop strategies to turn your savings into a retirement income stream across accumulation, distribution, and preservation phases, with the goal of managing risk and supporting long-term financial goals. Tax-related decisions should be made in coordination with your tax professional. Income strategies involve risk and results will vary.

Legacy Planning

  • Life insurance policy review

  • Life insurance wealth transfer

Healthcare Planning

  • Medicare

  • Long Term Care planning

Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.  Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse or affect any guarantees against lapse.  Additional premium payments may be required to keep the policy in force.  In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax.  Withdrawals are generally income tax-fee, unless the withdrawal amount exceeds the amount of premium paid.  Policy loans are not usually subject to income tax unless the policy is classified as a modified endowment contract (MEC) under IRC Section 7702A.  However, withdrawals or partial surrenders from a non-MEC policy are subject to income tax to the extent that the amount distributed exceeds the owner’s cost basis in the policy.  Tax laws are subject to change.  Clients should consult their tax professional.  Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting.

Color of Money Risk Analysis

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*This analysis is for educational and illustrative purposes only and does not constitute a financial plan or investment recommendation.

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Workshops

Medicare Workshop


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Medicare Workshop


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Medicare Workshop


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Medicare Workshop


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This analysis is for educational and illustrative purposes only and does not

constitute a financial plan or investment recommendation.