Independent Financial Services for Your Financial Independence


Serving the Individual Investor

The cornerstone of KTC’s philosophy is to work closely with clients to fully understand their financial objectives and develop individualized investment plans accordingly. To develop an investment strategy, KTC professionals are guided by this philosophy and these three principles:

• asset allocation
• long-term perspective
• diversification

Thus, as an investment plan is implemented and managed, KTC focuses on the client’s long-term objectives, rather than short-term events, selecting a mix of assets to maximize returns at an appropriate level of risk. Plus, KTC stays current with ever-changing laws and regulations and their effects on tax-deferred and investment accounts, such as contribution limits and distribution requirements, and the future prospects of some types of investments.

KTC offers a wide variety of quality investments options, all selected solely on the expectation that they will provide the best performance for the client. Because KTC receives no income from transactions nor for using any specific investment, there are no conflicts of interest. Fees, which are based solely on the account balance, are kept low through:

• availability of in-house expertise
• efficient operations
• negotiated agreements with brokers to minimize transaction costs
• the use of no-load investments without hidden charges

Despite fees and overall costs that are typically lower when compared to brokerages, insurance companies, and larger banks, KTC clients can expect a superior level of confidential service.


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