Getting Started

YOU are at the center of your financial decisions and goals! Are you looking for a Financial Advisor who works for you? An Advisor who is proactively connecting the pieces of your financial life together? You want to be sure that your voice is heard and your goals and objectives reached. Knowing you have a team of professionals working beside you to ensure a successful outcome is crucial to providing you peace of mind throughout the journey.

We are Large Enough to Serve, Small Enough to Care about YOU. Because we are a small firm, it enables us to get to know you on a much deeper level. With our team approach, you will always be in touch with one of our professionals, who can help get you an answer or point you in the right direction.

Kabarec Financial Advisors, Ltd. is a Fee-Only Financial Advisory and Asset Management firm with over 35 years of experience helping clients with their financial objectives. We do not earn any commissions on products or services, therefore we can make recommendations without any conflict of interest. We provide advice based on your specific situation. If the need for additional services from another professional arises we are happy to make a referral. We look forward to the opportunity to meet with you.

Please call our office if you would like us to schedule your free consultation. The best place to start our relationship with you is by getting started.

Financial Planning Services

Financial Planning is the overall scope of services that assists you in meeting your life goals. It combines the use of many strategies such as investment management, retirement planning, employee stock option analysis/concentrated positions, income tax planning, planning for children's education and estate planning. Financial planning includes analyzing and evaluating your current financial status to create a customized plan to help meet your life goals and future needs.

Investment Management

Are you overwhelmed with the thought of investing your money in stocks, bonds, or mutual funds? Did your investment returns suffer from recent market declines? Are you unsure when it comes to choosing the right investments to preserve and increase your wealth? If you do not have the expertise or the time to monitor your own portfolios, investment management may be the right solution for you.

Retirement Planning

Do you seek security in your financial future? Do you want to live comfortably in retirement with the peace of mind knowing that your financial future is secure? Retirement planning is preparing for the future. It entails analyzing your current and future circumstances and devising a plan to allow you to live off the resources you have available. There are some aspects of life that we cannot control, but we modify our strategies as unforeseen changes occur.

Employee Stock Options Analysis and Concentrated Positions

As an employee of a company whose stock is publicly trades, you may earn stock options. If managed properly, the stock options you receive from your employer can substantially increase your net worth. The choices you make on investment issues, such as the timing of your stock option exercises and whether you should hold or sell the acquired shares, can significantly affect your overall financial well being. Therefore, it is critical that you understand the potential effects of these decisions before taking action.

Income Tax Planning

As the old saying goes, "Nothing is certain but death and taxes." Income tax planning cannot prevent the inevitable, but, in some instances, planning can postpone, reduce, or even eliminate taxes. The fact is you may be able to preserve more of your taxable income with tax planning.

Estate Planning

Estate planning is the way to control the distribution of your estate. Since you own the property in your estate, it is your right to say what happens to it. Estate planning includes working with an attorney to draft documents that specifically state how you wish to distribute your wealth. Other important issues include, but are not limited to, a health care directive in the event you become terminally ill. Most importantly, if nothing else, estate planning is making sure your loved ones are taken care of according to your wishes.

Young Professionals

You may not realize, even at the start of your career, you are a professional. Very soon the financial decisions or details regarding your employer's retirement plan, benefits, and your family become complex. We look forward to meeting with you to help teach and remove any confusion or anxiety you may feel about these details and decisions. You need a financial advisor who is there to walk through life's financial changes with you as a Young Professional.


Financial Manager

With various pieces of your financial picture all changing and existing together, you need reassurance from the professionals you trust to know these pieces remain aligned. In order to help you the best we can, we hope to collaborate with the other professionals on your team. Knowing your financial advisor will be the head coach to lead your winning team should provide peace of mind. As professionals we will adjust to the changes in your life. To make this happen you need to know someone is providing this Financial Manager.