For Individuals

Providing physicians financial
wellness through education 
since 1989

Why Choose Us?

The financial professionals at Kaneski Associates are specially trained to work with medical professionals and have an
intimate understanding of the financial challenges facing physicians and their staff.

+0

Years
Combined
Experience

+0

Satisfied
Clients
Nationwide

+0

Financial Wellness
Workshops
Presented

You may have a financial plan, but
is it sustainable?

Some of Our Products & Services

We offer a broad assortment of financial products & services. Whether you're working with a team of professionals or you're looking to get started, we can help.

Financial Education

Kaneski Associates offers a series of workshops aimed at providing financial wellness. Because the financial wellness needs of each organization vary, so do our workshops. From basic budgeting and tax considerations to complex retirement and estate planning, we’ve got you covered! And if by chance we don’t, we produce all our workshops in-house and would be happy to tailor a financial wellness workshop to meet the needs of you and your organization. Click here to learn more about our workshops!

Retirement & Estate

Retirement can signify a lot of things to a lot of people: sailing off into the sunset with your beloved; never having to worry about waking up early to catch the morning train; finger-painting with your grandkids. But to make these dreams a reality, you'll need to create a nest egg that will make your retirement years as comfortable, if not more, as when you were working. Essentially, it's never too early to think about saving for your golden years. As the average lifespan increases, you should be prepared to put aside more to accommodate a longer retirement. We understand the importance of having enough to spend during your retirement. That’s why we offer a process that can help you enjoy your retirement, and make the money you’ve worked for years to save go even further.

Sustainable-income
Solutions

In retirement planning, too often strategies are developed that focus almost solely on accumulating retirement assets while failing to account for how to efficiently distribute those assets during retirement. With a combination of traditional investments and actuarial science, Kaneski Associates can help you develop a sustainable income solution, so you can spend more time enjoying your retirement and less time focusing on your finances./p>

Life Insurance

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out – or for someone who's starting over.

You can use the articles on this page to learn more about the various types of life insurance that are available.

Whole Life

Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

Term Life

Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

Universal Life

Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.

Variable Universal Life

Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward.

Survivorship Life

Survivorship life insurance – available as whole life, universal life or variable universal life – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments. If loans or withdrawals are made, or if current interest rates or changes fluctuate.

401(k) & IRA Rollover

There can be many benefits to rolling over your old 401K to an Individual Retirement Account (IRA), but there are other options. We can walk you through your 401(k) and IRA options and help you determine the best course of action for your unique situation.

Executive Benefits

Are you an executive, a business owner, or a key person in your organization? If so, there are financial products and services designed to address your distinctive needs that you may not even be aware exist. These types of benefits involve a qualification process, because they simply aren’t available to everyone. Do you know if you qualify? Give us a call!

Children's Education

Consider this scenario: The car's packed and the teary good-byes have been exchanged. You may feel as though your baby's leaving you, but this is one of the proudest moments of your life. You've scrimped and saved to afford your child's education, and now that the day is finally here, you can breathe a sigh of relief. Thank goodness you planned and started saving early so that the next four years won't be so financially stressful. Now, consider the alternative: What if you didn't plan? Then those next four years could be your worst nightmare, turning into a juggling act of student and parent loans, financial aid requests, and semester payments. Fortunately, we understand the importance of funding your children's education, and, therefore, offer options to help you meet that goal. Of course, we can't promise that you won't get the occasional phone call, "Mom? Dad? I'm a little low on cash..."

Disability & Long-Term Care Insurance

If you don’t have Long-term Care insurance (LTCi) or Long-Term Disability Insurance (LTDI), do you have a financial plan for handling an extended healthcare event or a long-term disability? Hint: You do. If you don’t have long-term care insurance and long-term disability insurance, your plan is simply to use your retirement or other accumulated assets to cover these costs when they arise. What kind of impact can this have on your overall financial plan? Let’s talk.

Charitable Giving

  • Your Gift Is Maximized. In addition to your current outright gifts, life insurance offers the opportunity to make a significant ultimate gift. Life insurance can help create a major gift that otherwise may have been unaffordable.
  • Your Legacy Lives On. You get tremendous satisfaction helping your church, school, or other favorite charity. And when you give the gift of life insurance, you are assured that your support and its impact lives on. Your gift might create a scholarship fund, or help continue a program well into the future.
  • Your Personal Assets Remain Intact. Using life insurance as the gift helps avoid invading your assets, which are intended to benefit and provide for your heirs. The premium can fit easily into your annual or monthly budget. (Note that you will need sufficient funds to pay the premiums to keep the policy in force.)
  • Your Charity Receives The Proceeds Of Your Gift Promptly. Your gift of life insurance is not subject to probate delays or estate settlement costs.
  • Your Premiums Are Income Tax-deductible.* Your gifts of premiums to purchase life insurance, if the policy is owned by the charity, are income tax deductible to the extent allowed by law. (Of course, the charity must qualify as an exempt non-profit organization.)
  • The Policy’s Proceeds Are Not Included In Your Estate. Life insurance proceeds paid to the charity you name as beneficiary are not included in your estate if the charity owns the policy. Should you choose to retain ownership of the policy, the policy’s proceeds are included in your estate, but the amount paid to charity is estate tax deductible as a “charitable bequest”.
  • Your Charity Has Access To The Cash Value Of The Policy. If your charity is the owner of a permanent life insurance policy, any cash value build-up within the policy is available to the charity for emergencies via policy loans, which will reduce the available death benefit.
  • Your Privacy Is Private. Since the gift of life insurance is a private matter, it can be kept confidential, without being exposed to public or family view, if that is a desire.
  • Simple To Arrange. Your agent can show you several ways to give the gift of life insurance, all assuring that your intentions will be honored.
  • Your Insurance Gift Is Backed By The Strength Of An Insurance Company.

Mortage Protection

There's nothing like the feeling of owning your own home. It's a part of the American Dream - to live in a home that you can truly call your own. Between picking out curtains and paint samples, you should also remember that your house is an investment. Your home represents many things – a place to raise a family, comfort, and a major financial commitment. Like other valuable assets in your life, it too needs to be protected. Realizing how important your house is to you and your family is the first step. Deciding on ways to safeguard your investment is an important step that will help guarantee the joy of owning your home for years to come. We can help alleviate some of the worry that comes with ownership. One major concern may be that your family will face difficulties paying off the mortgage in the event that you pass on. One of the ways to help assure your family's financial security is to consider life insurance products as mortgage protectors. Products such as Permanent Life and Term Life insurance are personally-owned and portable. If purchased in an adequate amount, the death benefit can help retire the mortgage, and also help provide money to cover other expenses. Ensuring your family's future now will help ease your mind, and let you concentrate on the really important things…like choosing between carpet or hardwood floor for the dining room.

Our proven approach is endorsed by the Texas Hospital Assocation, Sutter Independent Physicians, and numerous medical professionals at Kaiser Permenente, Sutter Medical Group, and the U.C. Davis Medical Group

Make an Appointment

"At a certain point, it matters less what you
make and more what you get to keep."

- Steve Kaneski

Strategically Aligned

There are several great financial service firms that offer excellent financial products and services. Why limit yourself? We're strategically aligned so we can do what's right for our clients.
Every time.

Our primary insurance and financial relationships:

 
Nautilus
Eagle Strategies
New York Life
 

Our other insurance and financial relationships:

 
Morning Star
Mass Mutual
Northwestern Mutual
Lincoln
Prudential
 
 
Guardian
Legal and General America
Fideltity
American Funds
Oppenheimer
 
 
John Hancock
Janus
PIMPCO
T-Rowe Price
Franklin Templeton
 
 
TIAA-CREF
Blackrock
 

(and more)

The above organizational logos are representative of the companies for which we can offer financial products and services as financial professionals of Kaneski & Associates Financial & Insurance Services. They are not affiliated with or endorsed by New York Life Insurance Company.

Want to learn more?