KLM Financial welcomes you to our web site. 

 
From strategic investment solutions to tactical tax-reduction strategies, from implementation of retirement income solutions and planning from the Highest NET Perspecitve, our customized retirement distribution programs assist our clients in optimizing and adding predictability to their retirement plans.
 
Our focus is to help you and your family acquire, expand and retain a long-term, dignified retirement lifestyle through Planning From The Highest NET Perspective. 
 
 Planning from the Highest NET Perspective allows our clients to integrate distribution, inflation and tax strategies, helping to reduce the dangers running out of money in retirement and to manage the risk of unknown future tax rates.  
 
This strategic and tactical approach takes into account tax consequences of retirement accounts and seeks to use income tax-free and estate tax free investment strategies wherever and whenever appropriate.  
 

 

 “In the absence of clearly defined goals, we become strangely loyal to performing daily acts of trivia.” --unknown
 
 
 

 

 
Calculators

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

More Calculators →