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Comprehensive Financial Planning A written plan that connects your income, savings, taxes, and goals into one coordinated picture. Retirement Planning Answering the question that matters most: can I retire, and what does it look like when I do? Investment Management A portfolio built around your plan, your timeline, and your actual tolerance for volatility. Estate Planning Making sure what you've built goes where you intend, with as little friction for your family as possible. Tax Planning Proactive strategy through the year, not a scramble each April. 1031 Exchange Planning Deferring capital gains on investment property without tripping over the deadlines. Social Security Planning When you claim can change what you collect by tens of thousands of dollars — we model the options before you decide. Income & Withdrawal Planning Turning what you've saved into a reliable monthly paycheck — and making sure it lasts. Annuity Review You own it. Someone else sold it. A straight second opinion on what it costs, what it guarantees, and whether it still fits. Pension & Lump-Sum Decisions Handed a buyout offer? It's a one-time, irreversible choice — worth deciding carefully. RMD Planning Large pre-tax balances create surprise tax bills — we plan withdrawals so more of it stays yours. Insurance & Risk Protection An independent look at what you're protecting against, what you own, and what it costs. Life Insurance The right amount, the right type, and a reason for every policy — reviewed independently. 401(k) & Employer Plans Advice on the money inside your workplace plan — usually your largest account, and usually unadvised. DSTs & Opportunity Zones Passive real estate structures for landlords who want out of management — without a tax bill on the way out. Charitable Giving Giving the same dollars more efficiently — so the causes get more and the IRS gets less. Business Owner Planning For owners whose net worth lives in the business — retirement plans, tax strategy, and the eventual exit. Equity Compensation Planning RSUs, options, and ESPP shares — a plan for turning paper compensation into actual wealth. Long-Term Care Planning The retirement expense most people underestimate — planned for while the options are still open. Wealth Transfer & Legacy Moving wealth to the next generation deliberately — during life and after it. College & Education Planning Saving for college without shortchanging retirement — and using the accounts the rules reward. Medicare & Health Coverage The enrollment decisions at 65 — made once, on deadlines, with real money attached. Divorce Financial Planning A clear-eyed read on the settlement — what's on the table, what it's really worth, and what life costs after. Inheritance & Sudden Wealth When money arrives all at once — an inheritance, a sale, a settlement — the best first move is a pause with a plan. A Smarter Way to Invest Evidence over forecasts: costs, diversification, and discipline — the parts of investing that actually pay.

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Comprehensive Financial Planning Retirement Planning Investment Management Estate Planning Tax Planning 1031 Exchange Planning Social Security Planning Income & Withdrawal Planning Annuity Review Pension & Lump-Sum Decisions RMD Planning Insurance & Risk Protection Life Insurance 401(k) & Employer Plans DSTs & Opportunity Zones Charitable Giving Business Owner Planning Equity Compensation Planning Long-Term Care Planning Wealth Transfer & Legacy College & Education Planning Medicare & Health Coverage Divorce Financial Planning Inheritance & Sudden Wealth A Smarter Way to Invest

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Comprehensive Financial Planning Retirement Planning Investment Management Estate Planning Tax Planning 1031 Exchange Planning Social Security Planning Income & Withdrawal Planning Annuity Review Pension & Lump-Sum Decisions RMD Planning Insurance & Risk Protection Life Insurance 401(k) & Employer Plans DSTs & Opportunity Zones Charitable Giving Business Owner Planning Equity Compensation Planning Long-Term Care Planning Wealth Transfer & Legacy College & Education Planning Medicare & Health Coverage Divorce Financial Planning Inheritance & Sudden Wealth A Smarter Way to Invest

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The content found on this website has been developed from various sources that are believed to be providing accurate information. None of the content on this website is intended as tax, financial, or legal advice. Please consult with a legal, financial, or tax professional for specific information regarding your individual situation. The content and materials found on this website are intended to create client awareness and for educational purposes. Additionally, to promote interest in the various subject matter and services that may be offered through Kingsbury Financial Advisors. Materials on this website do not address any individual's specific situation and are not to serve as the basis for any investment decision or advice and should not be construed as a solicitation to invest. The content herein is based on the latest information available to the public and, while deemed to be accurate, is not guaranteed. Numerical information, charts, graphs, formulas, calculations and data set, etc. are for example and illustrative purposes only. For additional information, please contact Kingsbury Financial Advisors at (813) 725-4202 or your Investment Advisor directly. Asset Management and Investment Advisory Services offered through Caitlin John, LLC, a SEC Registered Investment Advisor Firm, headquartered at 1024 E. Grand River Ave, Brighton, Michigan 48116 / (810) 355- 1325. Sefton Barnes is an Investment Advisor Representative of Caitlin John, LLC. Kingsbury Financial Advisors and Caitlin John, LLC, are separate entities and are not affiliated. In general, as related to investing and investment strategies, there is potential for profit as well as the possibility of loss, including the loss of Principal. Past performance does not guarantee future returns. Investors should thoroughly evaluate their financial goals, objectives, and risk tolerance with their Advisor before investing.

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