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 real-world decisions
- Planning insight and review from CFP® professionals
- Ongoing investment guidance from an advisor who knows you
- A coordinated strategy designed to adapt as life, markets, and priorities change
Get Retirement Ready. We can help.
We can create a comprehensive financial plan for you.
We help you identify and prioritize your financial goals. Then we look for opportunities to achieve your goals. Guiding you through important decisions before and after retirement.
Latest News
Articles written and published by Bill Kinkel
Many Retired and Near-Retirees Have Investments – But Not a Retirement Plan
A simple process for building a more resilient retirement strategy By Bill Kinkel | Genesis Wealth Management Group Many people approaching retirement or already retired have accumulated savings, investment accounts, workplace retirement plans, IRAs, or brokerage accounts. They may even check their account balances regularly and use online planning tools to estimate whether [...]
Systematic vs. Unsystematic Risk: What Investors Should Know About Asset Allocation
Understanding Investment Risk Before Building a Portfolio Every investment carries some level of risk. But not all risk is the same. When building an investment portfolio, it can be helpful to understand two broad categories of risk: systematic risk and unsystematic risk. These terms may sound technical, but the concepts are straightforward. [...]
How to Set Financial Goals for Retirement: Start With Easy Wins
A practical approach to clarify priorities, build momentum, and connect short-term wins to long-term retirement goals. By Bill Kinkel | Genesis Wealth Management Group Creating goals is often the hardest part of financial planning—not because you lack discipline, but because goals are personal. They involve priorities, timing, and tradeoffs. [...]
Retirement Planning: Monte Carlo Analysis and Funded Ratio
Retirement planning should answer one question clearly: Do you have sufficient assets to fund retirement - and how confident should you be? My approach is to use two complementary tools to help evaluate this question: The Funded Ratio and a Monte Carlo Simulation. The Funded Ratio compares what you have [...]
Pre-Medicare Planning Retirement Income Plan
Pre-Medicare Planning Checklist: 6 Costly Mistakes to Avoid Before 65 6 common Medicare “gotchas” to avoid before 65 (plus a bonus strategy most people miss) Why Medicare should not be a last-minute decision Many families plan Social Security years in advance but treat Medicare as a quick decision right before [...]
Should You Delay Social Security?
A Smarter Way to Think About Claiming at 62, Full Retirement Age, or 70 Deciding when to start Social Security is one of the most important retirement choices you will ever make. Claiming too early or waiting too long can affect your income for the rest of your life. While [...]