

Bill Kinkel, Investment Adviser Representative
Genesis Wealth Management Group, LLC
Alton & Bethalto
Big financial decisions are easier when your plan and your investments are built together.
- A goals-based financial plan designed around your real-world decisions
- Objective planning support from CFP® professionals
- Ongoing investment guidance from an advisor who knows you
Latest News
Articles written and published by Bill Kinkel
The Three Elements of Risk in Your Financial Plan
Most people describe their investing style using familiar labels like aggressive, moderate, or conservative. While these terms are common, they don’t reflect how risk actually works inside a financial plan—especially for those approaching retirement or already drawing income. A strong plan looks at risk from three key angles: your risk [...]
Why Your Estate Plan Should Start with a Financial Alignment Review
Estate planning isn’t just about wills and trusts—it’s about ensuring that every financial detail already reflects your intentions before you even sit down with your attorney. That’s where a financial alignment review comes in. Most estate attorneys offer a flat fee for legal documents, but that fee typically doesn’t include [...]
Choosing an Asset Allocation: Getting Risk Right Matters More Than You Think
When investors talk about performance, the focus often jumps straight to returns. But the decision that most determines long-term success happens before markets move—your asset allocation. Your allocation—the balance between equities, bonds, cash, and other investments—defines how much risk you take, how much volatility you’ll experience, and how confident you [...]
Business Owner Retirement Plan Checklist
As a business owner, your retirement plan should be as efficient and adaptable as your company. If your current 401(k) or SIMPLE/SEP IRA feels too expensive, too confusing, or underused, it may be time for a fresh look. The right plan can simplify administration, improve participation, and help you save [...]




