Financial Services for Every Stage of Life

Our firm is dedicated to helping you grow, protect, and transfer wealth with strategies that are clear, actionable, and built around your goals. We believe financial planning should never feel overwhelming or filled with jargon—that’s why we take the time to explain each step, give you ongoing guidance, and adjust your plan as life changes.

From retirement income planning and tax-smart investment strategies to estate planning, Social Security, and Medicare guidance, our team is here to simplify the complex and give you confidence in your financial future.

Explore our services below to see how we can support you and your family. When you’re ready, schedule a no-pressure introductory call—most inquiries receive a same-day response, and we’ll help you start building a roadmap that fits your needs today and tomorrow.

Wealth & Asset Accumulation

Smarter Investing – Diversified portfolios with ongoing monitoring and transparent reviews.

Portfolio Analysis & Plan Review (fee-based)

Your Financial Roadmap – Clear, personalized strategies to save, grow, and plan with confidence.

Retirement Income Planning

Retirement Income Made Simple – Turn savings into steady income and maximize Social Security benefits.

Legacy Planning

Protect Your Legacy – Preserve wealth, reduce taxes, and keep family harmony intact.

College Planning

Plan for the Next Generation – Support children and grandchildren with education and wealth strategies.

Business Owner & Self-Employed Planning

Smart Strategies for Entrepreneurs – 401(k), SEP, SIMPLE, pooled plans, solo 401(k), and credit solutions.

Our Team-Based Approach

A Team on Your Side – Bill Kinkel and CFP® professionals working together for your success.

Why Clients Choose Us

Choosing the right financial advisor is about more than investment returns. Our clients work with us because they value trusted guidance, local expertise, and a partnership that grows with them over time.

  • Fiduciary Standard of Care – We are committed to putting your best interests first, with transparent advice and clear explanations.
  • Local Expertise, National Standards – Based in the Metro East, we understand the needs of local families and business owners, while holding ourselves to nationally recognized financial planning standards.
  • Comprehensive Planning Team – Our firm partners with Certified Financial Planner™ professionals, CPAs, and estate attorneys to deliver coordinated strategies under one roof.
  • Tax-Smart Wealth Management – From retirement accounts and IRAs to charitable giving, we structure your plan to reduce unnecessary taxes and maximize what stays with your family.
  • Personalized Roadmaps – Every client’s situation is unique. We build plans around your goals, risk tolerance, and family priorities instead of using cookie-cutter solutions.
  • Ongoing Reviews and Support – As life changes, your plan should too. We provide regular reviews and proactive adjustments so your strategy always stays relevant.
  • Technology + Human Touch – You’ll have access to secure digital tools to track your accounts while knowing you can always reach a real person when questions come up.
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Common Questions

We begin by understanding your goals, time horizon, and cash-flow needs. We also use a detailed risk questionnaire and market stress-testing to see how different allocations may perform in various conditions. This ensures your portfolio reflects both your comfort level and your long-term objectives.

A retirement income plan covers more than withdrawals. We map your Social Security, pensions, investments, and other income sources into a coordinated strategy. We also plan for taxes, inflation, healthcare costs, and legacy goals so that your income is sustainable throughout retirement.

While not everyone needs a CFP®, many clients benefit from their training and ethical standards. Our team partners with CFP® professionals to provide well-rounded advice, especially when strategies involve tax planning, estate considerations, or complex retirement income needs.

We analyze different claiming strategies to help maximize lifetime Social Security benefits for singles and couples. For Medicare, we guide you on when to enroll, how to compare coverage options, and how to fit healthcare costs into your retirement budget.

Yes. Many financial strategies overlap with tax and legal planning. We regularly collaborate with CPAs and attorneys to ensure your estate plan, tax strategy, and financial plan work together without gaps or conflicts.

All investments involve risk, but we plan ahead by building diversified portfolios, keeping an emergency cash reserve, and stress-testing strategies against different market scenarios. We also review your plan regularly and adjust when needed, so downturns don’t derail your long-term goals.

We work with families and business owners across different stages of life. While certain services may have minimums, we believe financial planning should be accessible. We can discuss the right level of service for your situation during your introductory call.

Ready to Talk?

We know reaching out to a financial advisor can feel like a big step. That’s why our first call is always simple, friendly, and focused on you. Most inquiries receive a same-business-day response, and we can typically meet in person or virtually within the week.

Whether you want help with retirement income, Social Security claiming strategies, Medicare planning, or college funding for your family, we’ll walk you through your options in plain language—no jargon, no pressure.

Located in the heart of the Metro East, our team serves clients across Alton, Edwardsville, and the greater Riverbend region. If you’ve been searching for a trusted financial advisor near me, this is the right place to start.

Start Your Plan