Taxes

• Tax Planning
  . Some of the reasons that people initially seek our help include the sale or purchase of a business or real estate, a pending retirement, estate planning, credit card debt, receiving an inheritance, an insurance settlement, a change in health, investment losses, tax planning, a marriage or divorce, or the loss of a spouse or parent.
• Estate Taxes
• Tax Services
• Roth IRA
  Individual retirement account, not an investment in itself but a “container” to hold investments. An IRA permits individuals to set aside money each year, with earnings tax-deferred until withdrawals begin at age 59 1/2 or later (or earlier, with a 10% penalty). The exact amount depends on the year and your age. IRAs can be established at a bank, mutual fund, or brokerage. A traditional IRA allows the amount deposited to be deducted from current income, but any distributions are fully taxable. A ROTH IRA does not allow for a current deduction from income, but all distributions are tax-free.
• Income Tax

Investment

• Investment Management
  The South Dakota State Legislature placed their trust in Rick Kahler, founder of Kahler Financial Group, by appointing him to the South Dakota Investment Council in 1998. In 2003 he served as Chairman, overseeing the investment management for the over 70,000 members of the South Dakota Retirement System.
• Mutual Funds
  Our fee only financial planners in Rapid City receive no commissions on any product recommendations and no compensation from third parties, such as mutual funds or insurance companies. As client-centered, fee-only advisers, we disclose potential conflicts of interest — KFG works solely in your best interest.
• Bonds
• Wealth Management
  Chartered Wealth Manager (CWM®): Highlights expertise in managing wealth for high-net-worth individuals. Requires a master’s in finance or related field OR an MBA/PhD/CPA, PLUS 3+ years in wealth management OR Global Academy of Finance and Management completed program; training program, 2 exams, and 15 hours CE every year.

Accounting

• Accounting Services
• Payroll Services

Planning

• Financial Planning
  At Kahler Financial Group, we strive to have a culture that values personal development in the same manner as we value professional development.  Our core purpose at our financial planning company in Rapid City is to transform the financial and emotional well-being of people (not just our clients).  We have embarked on becoming a DDO or a Deliberately Developmental Organization.  A DDO is an integration of business excellence and the growth of employees into their best version of themselves.  We believe that if we can become better people, we can become a better team.  As a better team, we can then provide better service to our clients.
• Retirement Planning
  Chartered Retirement Planning Counselor (CRPC). No formal education requirements. Complete a CRPC course, exam, and 16 hours of CE every 2 years.
• Annuities
  An investment product from a life insurance company, providing tax-deferred earnings but often charging substantial fees. The defining characteristic of all annuities is the option for guaranteed distribution of income for life. Many people choose instead to receive the accumulated principal in a lump-sum payment.
• Asset Management
  Accredited Asset Management Specialist ℠ (AAMS℠): Understanding of the basics of asset allocation. No bachelor’s degree or prerequisite certification required.  Complete a 20 to 30 hour online program (must be completed within 120 days), pass an exam, and 16 hours of CD every two years.
• College Funding
  A state-sponsored college savings plan through which a donor can set up an account for children, grandchildren, or other relatives. The donor retains control of the account and can transfer it to another family member. Earnings are not taxed if they are used for college expenses.
• Asset Protection
  , asset protection, and real estate and business consulting. Our financial services allow business owners, professionals, and retirees to create the financial security they need to enjoy financial independence and active retirement. The bottom line is that our team of fee-only financial planners makes working with us easy and cost-effective. Today Kahler can help you with your personal financial situation while only charging you fees on assets under management.