Gaining Financial Empowerment Now...
And For The Future
Certified Financial Planner , Certified Divorce Financial Advisor
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The Women’s Choice Award Financial Advisor program was created by WomenCertified Inc., the Voice of Women, in an effort to help women make smart financial choices. The program is based on 17 objective criteria associated with providing quality service to women clients such as credentials, experience and a favorable regulatory history, among other factors. Financial advisors do not pay a fee to be considered or placed on the final list of Women’s Choice Award® Financial Advisors, though they may have paid a basic program fee to cover the cost of a client survey through Advisor Impact. The inclusion of a financial advisor within the Women’s Choice Award Financial Advisor network should not be construed as an endorsement of the financial advisor by WomenCertified or its partners and affiliates and is no guarantee as to future investment success. Women’s Choice Award® Financial Advisors and Firms represent less than 1% of financial advisors in the U.S. As of February 2016, of the 783 considered for the Women’s Choice Award, 122 were named Women’s Choice Award Financial Advisors/Firms.
Kim Surber is a Certified Financial Planner® and Certified Divorce Financial Advisor® with Labrum Wealth Management who is committed to helping individuals, families, professionals, and small business owners thrive. The goal is to empower you to achieve your financial goals and lifestyle vision, help you to free up time, and to provide you with peace of mind.
If you're looking for straightforward advice and a comprehensive approach from a caring and experienced financial planner, you've come to the right place. I will help you make prudent financial decisions for yourself and those who depend on you, geared towards growing and maintaining your wealth.
HOW IT WORKS
It starts with a planning session where I will get to know you. We'll discuss your goals, and your lifestyle vision and then work together to figure out how to make your vision a reality. We will also talk about insurance needs, and any burning financial planning questions you may have. And we'll talk about an investment strategy. We will begin to build a relationship built on trust, compassion, and commitment that will support your desire to achieve financial success, and your desired lifestyle vision.
Following our session you'll have specific action items to move your financial life forward. In working together, I help you become financially organized, manage investments, mitigate taxes, plan for major life events, protect loved ones, and conserve and create wealth.
I seek to provide you top quality investment and retirement advice with a strong commitment to the highest ethical standards and integrity.
My goal is to empower you to help you make your lifestyle vision and dreams a reality.
By keeping your values and goals foremost in my mind, I strive to find solutions that address your unique challenges and opportunities. Below are some common client requests - but my services cover so much more:
Path to homeownership
Managing cash flow
Planning for a newborn
Planning for retirement
Employee stock options
Tax mitigation strategies
Comprehensive Financial Planning:
Comprehensive Financial Planning provides analysis of your current financial situation, discussion of your future goals and lifestyle vision, and an actionable plan. We will discuss challenges and opportunities and you'll learn about the potential impact of decisions and track progress on your goals. Through a personal financial planning calendar, we’ll be proactive about your needs. As your situation changes, we’ll update your plan together.
Some of the items we cover are financial projections and analysis including retirement, property, college, etc.), budgeting and cashflow analysis, Company retirement plan analysis (401(k) etc.), College planning, debt-reduction (if applicable), Cash flow analysis, Tax mitigation strategies and planning, Wealth transfer strategies, and Philanthropy and charitable giving, estate planning, risk analysis, and more.
Most importantly we never lose sight of your goal, your lifestyle vision.
In working with you to develop an investment strategy, the number one goal is to understand your investment needs in relation to your current financial situation, your future goals and lifestyle vision, and risk tolerance. Then, with this information, a disciplined approach that has been shaped by decades of research to determine the most efficient investment policy, is used to formulate a tailored strategy and portfolio.
As your situation changes along with market conditions, we’ll monitor the portfolio to ensure the target allocation is maintained, to analyze if risks have changed, to determine if rebalancing is appropriate, or changing the mix of securities is prudent. We’ll work together to create an infrastructure to understand your financial situation today and going forward.
And once again, most importantly, we never lose sight of your goal, your lifestyle vision.
Divorce Financial Planning:
Don't just Survive A Divorce.... Let your FUTURE THRIVE!
Divorce is chaotic, stressful and overwhelming, and most of the time your life feels out of control. But surviving a divorce is not enough; you must also strive to create a peaceful environment with financial stability for yourself and your family. It is during this time you are asked to make incredibly important financial decisions that you may not be emotionally able to comprehend. As your Certified Divorce Financial Analyst , I can help you move from just surviving to truly thriving!
As your Certified Divorce Financial Analyst®, my job is to show you how the decisions you make during the divorce process will affect you financially, not only today, but 20 years from now.
What Every Woman Needs To Know About Divorce Workshop
3rd Saturday of Each Month
ABOUT LABRUM WEALTH MANAGEMENT
AT LABRUM WEALTH MANAGEMENT, WE PURSUE BETTER, FOR YOU.
Financial Planning and pursuing better for you is our goal at Labrum Wealth Management. The trouble is, you might not understand the difference between good and better. It's not your fault. The financial industry has made it difficult to understand what's real, what's right and what's noise. We help you sort through the financial noise. We help you understand what's real and most importantly, what's right for you.
Five Reasons You'll Love Working With Us:
1. We start with Financial Detox®.
You can't move forward financially until you've purified your financial thinking and your money.
2. We Pursue Better.
Financial Planning and Investment Management are our forte. We love what we do.
3. Our Investment Precision.
We follow a strict discipline to add value to your overall investment experience .
4. We champion financial peace of mind.
Our focus is finding better ways to protect and grow your wealth. Your focus should be enjoying life and spending your time doing what you want, with those you love.
5. We are true financial fiduciaries.
You deserve financial transparency and unbiased advice in all financial matters. We're bound by a strict fiduciary code. Not all financial professionals are FULL TIME FIDUCIARIES.