Our 5 Step Educational Process

1.      Identify Lifetime Objectives and Strategies

At Kaluzna Financial, Inc., we don’t believe in a “cookie-cutter” approach.  No two situations are alike.  We tailor your financial strategies to assist you in achieving your specific lifetime goals and objectives.

2.      Understand All of Your Options

Many consultants are not willing to spend the time to educate you.  We believe an informed client is a good client.  We want you to understand all your options so you have confidence in our abilities.

3.      Determine Your Risk Profile

How much of your money should be in higher risk investments?  How much should be in more conservative investments?  We believe in staying within your comfort level rather than chasing short-term market returns.

4.      Build Your Allocation Model

Your personal preferences, as well as your cash flow needs, are some of the factors that determine your investment allocation.  In building your model, we educate you about today’s conservative investment options, which are more numerous than ever before.

5.      Schedule Regular Periodic Reviews

Last, but certainly not least, we believe regular periodic reviews will help ensure you stay on course.  Our company’s success is partly due to our customer service.  We strive to follow-up with our clients several times a year with phone calls, updates, newsletters, client appreciation events and more.  We’re here for you.