About us
Your success is our business
Our company believes that good financial decisions don’t have to be confusing. We provide techniques designed to help you make the most of your money and help address more of your financial goals.
If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, you can e-mail us at kfminc@kusskefinancial.com or call (952) 895-6963.
Competent and independent advice
Financial independence has more to do with an understanding of your financial situation — not just about your ability to earn a high income. When you work with Kusske Financial (KF), we help you plan for financial independence. And, since our firm is independent, our loyalty belongs to you — not to a huge parent company.
You’re busy… and so is your life. You might be caring for your aging parents at the same time as you are raising your family, or you’re deeply involved in your career. It’s hard to find the time to do things just for you. Let KF help you understand and simplify your financial situation. Whether your goals involve building wealth through investing, funding a child’s college education, planning for a comfortable retirement, or protecting your estate, let us help you develop a roadmap. Or, if your concern is paying too much in taxes or not having enough money to last throughout your retirement, we’re here to help you with your unique situation.
For over 30 years we have been helping clients pursue their financial independence. Our team of Certified Financial Planners and registered representatives share their personal and professional experience to give you a customized financial program. We’ll make sure we walk you through a step-by-step process so you feel confident in your decisions.
Qualifications
Our team holds multiple professional designations and is licensed to sell a variety of financial products. We are dedicated to developing lasting relationships with all clients. Each team member also believes in helping every individual become confident in assessing his or her financial goals and participating in the financial management process.
One of the benefits of working with our firm is that each CFP® has the ability to provide clear, easily understood explanations of financial products and services to our clients. Every client has their own personal program which can serve as a roadmap for working towards a more secure financial future.
We’re looking forward to using our skills to help you pursue your financial goals.
What is a CFP?
The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “ CFP® marks” ) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“ CFP Board” ).
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
Education
Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’ s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning.
Examination
Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’ s ability to correctly diagnose financial planning issues and apply one’ s knowledge of financial planning to real-world circumstances.
Experience
Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year)
Ethics
Agree to be bound by CFP Board’ s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:
Continuing Education
Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field.
Ethics
Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.
CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.