Kuhl Financial Services

The Mark of Distinction.

All Financial Planners Are Not Created Equal

You have invested countless hours and hard earned dollars to get where you are today. But getting and staying ahead is harder than ever. You need a trusted financial advisor to help sort through complex decisions, and develop strategies for a secure financial future.

The Personal Financial Specialist (PFS) is the financial planning specialty accrediation held exclusively by certified public accountants (CPA's) who are members or the American Institute of Certified Public Accountants (AICPA). By combining their education and experience as a CPA with financial planning knowledge and training, Personal Financial Specialists have broadened their expertise and are eminently qualified to assess your current financial situation, help you define your financial needs and goals, and work with you to develop and monitor a plan to meet your goals.

Here's a closer look at what a CPA must do to obtain the PFS accrediation:

• College education in accounting and financial topics.
• On the job training under a CPA's supervision.
• Continuing professional education.

EXAMINATION

Successful completion of a comprehensive examination covering all areas of financial planning in addition to the CPA examination.

EXTENSIVE EXPERIENCE IN THE FOLLOWING:

• Personal Financial Planning Process
• Retirement Planning
• Estate Planning
• Investment Planning
• Insurance Planning
• Income Tax Planning

ETHICS

Compliance with State Board of Accountancy rules and regulations and the AICPA's Code of Professional Conduct. These professional standards contain the most comprehensive ethical guidelines in the financial services industry, insuring your adviser provides complete services with your best intrests in mind.

EXCLUSIVITY

• A CPA and a AICPA member in good standing.
• For more than 100 years, CPA's have been trusted financial advisors. CPA' s who have earned the PFS designation have demonstrated their ability to guide you through the confusing financial environment. Whether you need to build college funds for your newborn, access the adequacy of your insurance coverage, or develop investment strategies for retirement, a PFS is the financial advisor best suited to help you plan for a secure financial future.

FINANCIAL CHECKUP

Take a few moments to identify your financial concerns among those listed below:

• Managing Cash Flow
• Building Retirement Savings
• Developing an Estate Plan
• Developing an Investment Strategy
• Determining Insurance Needs
• Minimizing Income Tax Liability
• Building Education Funds
• Managing Financial Risk
• Planning for the Care of Elderly Parents

A PFS can help you plan and reach these and other financial goals with services that range from an informal personal consultation to a comprehensive financial plan. Entrust your financial future and the financial well-being of your family, to the only financial adviser that holds a financial planning designation within a designation - CPA/PFS.