What We Do

The complexities and confusion of financial and retirement planning don't have to be overwhelming. Whether you're planning your retirement or already retired, Kraus Capital Management can help you prepare for this exciting stage in your life. While developing your financial strategy, we will walk you through a step-by-step process designed to help you feel confident in your decisions. Our goal is to help you rest easy and breathe deeply knowing you’ve planned ahead and mapped out the future.

Our services include:

Investments and Asset Management

We begin the discussion using a model driven portfolio strategy to illustrate what goes into a diversified portfolio and to help set expectations. Investment choices in the models allow for vast degrees of customization enabling us to tailor a portfolio that complements your other planning concerns, be it taxes or liquidity needs. We find the model-based approach is a great place to start. It more easily allows us to show you how your portfolio would have performed under certain conditions and periods of time. It’s easier to establish comfort levels and risk tolerance when we start with a strategic model and discuss what to expect based on real historical data. After we define your objectives and risk tolerance, we develop a portfolio that may consist of stocks, bonds, Exchange Traded Funds (ETFs) and mutual funds, emphasizing risk management and diversification. As a Registered Investment Advisory firm, your best interests lead the way.

Diversification seeks to reduce the volatility of a portfolio by investing in a variety of asset classes. Neither asset allocation nor diversification guarantee against market loss or greater or more consistent returns.

Financial Planning

What is financial planning? Simply put it is the process of working toward your lifetime goals through the proper management of your finances. People don’t become financially secure by accident – planning is a combination of art and science. Risk and reward doesn’t cover just investing, it involves real emotion in an ever changing environment. Financial planning isn’t something you do at retirement; it’s what you do to get there.

Retirement Income Planning

Income planning is a critical element of a solid retirement strategy. A major financial goal is to have a consistent and reliable stream of income that will last through retirement. We can help you address critical questions, such as how to shift from retirement savings to retirement income, how to estimate monthly income, and how to plan strategies to help make your assets last.

Much of your income may come from multiple retirement plans you have or had with your current and previous employers. We are well-versed in the intricacies and nuances of pensions, profit sharing plans, and 401(k) plans, especially those offered by companies within the telecom, military and civil service industries. We help you coordinate your benefits plans with your other retirement strategies, including Social Security benefits, in order to generate cash flow and create a steady stream of income.

Social Security

As you approach retirement, you may have a number of questions regarding Social Security. How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexities of Social Security and can address your questions.

Not associated with or endorsed by the Social Security Administration or any other government agency.

Estate Planning

Many individuals, couples, and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a significant impact on one's family. We can assist you in articulating your estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.

Insurance

As you age, the need for insurance may increase. Products like life and long-term care insurance are two ways you can protect your family and assets. With so many available programs and plans, it can be difficult to determine an appropriate strategy. We can help you evaluate options, from life to long-term care to disability insurance.