"You cannot affect one, without considering the others"
Creating Efficiencies to Maximize Retirement Income
Most people above a certain age know that when E.F. Hutton talked, people listened. But how many people know why they listened to the legendary stockbroker?
“His clients loved him because they got a check every month and they had tax diversification and
better tax treatment,” says Kevin Brunner, who still follows that model. “You earned a reasonable rate of return, compounded every year. His model gave them some consistency and some certainty in retirement.”
As Brunner explains, “Retirement is all about income. It's not about assets, because not all assets generate the same income. Retirement is all about the efficiencies, safety and control of the accumulation of assets during the accumulation phase of your economic lifecycle, and maximizing the efficiency, safety and control while converting those assets into income.”
But focusing on assets rather than income is an error most financial advisers make, Brunner says, because it’s in their vested interest to do so, but not necessarily to their clients’ benefit.
“Most advisors’ products and services fit well into their business model, but not necessarily so well into yours,” he says. “Their entire focus is on whatever creates the most assets, because they get a percentage of those assets. But that can put you in a higher tax bracket, and it may not generate as much income. There are assets that generate more income more efficiently and more consistently. Whenever you are designing income planning for a client you have to take all these things into consideration."
“My whole focus is on creating a guaranteed lifestyle replacement at retirement,” Brunner says.
“It's a simple model, but it works far better than chasing returns. History is on my side.”
Focus on Small-Business Owners
Brunner Financial provides well-rounded advice to individuals and couples in Southern California, covering all aspects of wealth accumulation, beyond just IRAs and 401(k)s. But Brunner’s main focus is on owners of small businesses with fewer than 100 employees, plus medical practices and professional service firms such as legal and architectural practices.
“Unlike most advisors I can sit down and read a P&L and tell them all kinds of things about their business,” says Brunner, who has 25 years of experience as a business consultant combined with 10 years as a financial advisor. “I speak their language. I understand what they're going through.” Their tax issues, he notes, are entirely different from a couple on a salary.
Brunner takes a holistic approach when analyzing a business. “We will find inefficiencies in the business and recapture losses due to ineffective business structures and unnecessary income taxes,” he says.
For example, he was able to help a small medical firm with two doctors and five employees fund one-third of its retirement plan by recovering losses due to unnecessary taxation and inefficiencies in the corporate structure.
While an independent financial consultancy, Brunner Financial works with a team of CPAs, tax attorneys and other professionals.
“Together we can create the financial efficiency and synergy needed to realize your goals,” Brunner says.
In addition to his consulting and teaching, Kevin has been a featured guest on several financial radio programs including Bloombers Radio, and also at retirement benefit fairs for public school teachers, he's taught over 250 financial educational seminars, featured speaker at Phoenix University and the Skirball Cultural Center at the Getty.
His entire model is built around “Empowering the Client Through Education.”
Kevin resides in Orange County California.
Our financial strategies can be heard on:
"It is literally true that you can succeed best and quickest
by helping others to succeed" - Napoleon Hill
"Kevin is a very astute expert on financial planning and investments. He prepares his recommendations clearly and with great precision."
Edward Carels, Ph.D. CEO of a medical services company
"Kevin did a great job for me. He's a highly skilled professional. He worked diligently with me to get me on the right path."
William "Bill" Craddick, Plant Manager
"I’ve known Kevin for years now and I would highly recommend Mr. Brunner for Wealth Management Strategies. I feel his experience owning and operated his own businesses aside from Brunner Financial has provides a very valuable and unique insight when working with clients as he can see their goals, issues and objectives through their eyes allowing him to provide the a strategic analysis, as well as, consultative and best practice recommendation for his high net worth individuals and family offices alike. I’ve further had the pleasure to see him perform in person through the many meetings we’ve been in and clients we’ve worked with and as far back as my SoCal Real Estate days. If there is one professional with a stellar track record, acute business insight and cutting edge Wealth Management Strategies, Kevin Brunner is him."
Mario Nick Gallo, Commercial Real Estate Professional - Investments
"During the time I have known Kevin, I have known him to be a values driven business man with only the best interest of his customers and fellow business associates in mind. Kevin is a driven, high powered, well educated individual that can truly make a difference in ones organization as well as an individuals personal growth. I would not hesitate to recommend Kevin in any business or personal venture."
"Kevin’s demonstrated himself to be an expert in wealth planning and financial strategies. Kevin’s approach is refreshing in that he operates with his customers’ best interests in mind, and he takes the steps necessary to educate them. Kevin’s sound value system, integrity, and expert knowledge make him a professional I’d recommend to others."
Jeffrey Duvall, Operations Supply Chain Manager
"I have found Kevin to be easy to work with and he can clearly explain the pros and cons of the many financial options that are open to you. He can also offer innovative alternatives for your consideration which will help you get a better focus to make informed decisions on your long term goals."
Michael Oldag, Development Engineer
"In my time working with and for Kevin his hard work ethic was displayed in the long hours he put in at the office, as well as the research he conducted in order to provide the best strategy for his clients. Kevin has the ability to connect with a client because of his understanding of each individual client's needs. He has the ability to recommend financial strategies that align with their short term cash flow needs and long term financial goals. The thing I really like about Kevin is that he would rather sacrifice a high paying commission in order to provide a client with the best product. He is not a financial advisor, however a strategist that helps build a client's wealth, as well as meet their retirement goals. His knowledge and experience allow him to build a retirement roadmap and advises the client along the way."
Chris Clark Sr. Marketing Representative
"Kevin Brunner is the kind of financial manager and advisor you want to keep a secret, but only because you don't want to share his time or advice with anyone else. His approach is a breath of fresh air in a world of pushy, over-the-top salesmen. He knows his financial strategies are sound, can easily explain to even the most naive of clients why his financial devices work, and then lets you make your own decisions. He's approachable, friendly and low-key. When you want to stop worrying about retirement, have a sit down with Kevin and put your mind at ease."
Christopher Woo, Technology Consultant and Leader
"Kevin is an outstanding business and financial strategist. I was very impressed with his business background, knowledge and experience. He provided me with some excellent financial advice and guidance, which I believe will generate outstanding returns in the years ahead. I highly recommend Kevin to anyone in need of strong financial and/or retirement planning guidance."
Andrei Poludnewycz, CEO and Owner at JobCrank Inc.
"Kevin Is a true professional in the field of arbitrage strategies, with tax benefits on contributions, tax deferral during asset growth and tax benefits upon withdrawal and how these strategies can be used for business and and personal growth. I strongly recommend him to anyone looking for solutions in dealing with Financial Strategies for a Tax Efficient Retirement "
"Kevin's approach to partnering with other companies is very unique. He is all about helping his partners put systems in place which create a WIN WIN for everyone. The questions he asks are very interesting and make you think about yourself, your personality, your vision, and what you are looking for in a partnership. Very interesting and unique way of approaching business!"
Mark Boersma, Owner, Synergy Solutions, Inc.
"Kevin did an awesome job increasing my wealth, lowering my taxes and building my online business. We will certainly work together again."
Jason Pratt, Regional Operations Manager
"Kevin is the rare financial advisor who shows deep personal interest in his clients’ specific circumstances and needs. He understands the market trends and how to optimize my investment portfolio to minimize risk and expenses, yet provide excellent returns. I know Kevin’s primary motivation is his sincere concern about my financial success and his advice is always focused solely on my best interest."
Jameson Garrett, Senior Business Development Manager for Aerospace
"Kevin Brunner is a top notch financial strategist and insurance expert. I have had the pleasure of speaking with Kevin and he has stories and anecdotes that keep the crowd mesmerized. I highly recommend Kevin Brunner for any investment strategies that you may be pursuing in the future."
James Evanow, Financial Professional, Speaker/Trainer
"Kevin can explain the complex world of financial security in very simple and clear fashion. Moreover, he also has great idea about how things should work. He is worth talking to just to learn about the industry."
Steve Huang, MBA, Visual Communication Expert
"Kevin is an expert in his field putting his vast knowledge to work for the best interests of his clients. His years of experience and in depth research put him at the top of his field. His friendly manner and common sense approach also make it easy to work with Kevin and understand his recommendations that will lead to a better financial future for his clients"
Dave Peronto, Operations & Logistics Professional
"I have had the pleasure in working closely with Kevin. I appreciate the networking relationship that we have. Kevin is a true professional that goes beyond the basic job requirements. He is caring and takes the time with clients to ensure they are educated and informed of their decisions. Kevin is very knowledgeable in his profession and is a believer of collaborative teamwork. A definite pleasure to work with. I will continue to recommend Kevin to my clients, knowing they are in good hands and will be well taken care of. I would recommend Kevin to anyone and look forward in working with him in the future!"
Daniela Bliss, Mortgage Consultant & Loan Officer
"I’ve had the opportunity to consult with Kevin Brunner regarding tax free investments to benefit my family in retirement, as well as my heirs. He has developed a fantastic system that allows an investor to gain a better rate of return than other types of investments and to allow disbursements without a tax burden as well. I strongly recommend that you explore the program he has developed. I was very impressed with his intelligence and knowledge of investing, tax law and how to work the system to your own benefit."
Rich Hall, Business Consultant and Investor
"Kevin understands his business and the products. He can easily explain how very complex financial products work. He does his homework and research before making any recommendations. I believe Kevin acts in the best interests of his clients."
Lyle Kan, Senior Vice President, Strategic Planning & Business Development
"Kevin is a straight forward, no-nonsense professional with boat loads of skills, abilities and experiences to share."
Gary Metz, Vice President of International Operations
"Kevin is well versed in the financial industry and will do everything that he can to place his clients into their best financial position."
Bryan Whited MBA, PhD in Organization and Project Management
333 City Boulevard West, 17th Floor, Orange, CA 92868