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“Helping you achieve your financial goals and maintain your lifestyle into retirement is not just my job, it's my purpose.”
Peter Kisver
Founder
Peter has over 20 years of experience in the financial services and insurance industry. His extensive experience includes wealth management, financial planning, and portfolio analysis. Peter’s passion is educating and assisting individuals and families in pursuing their financial goals and preserving their lifestyle in retirement.
Peter received a Bachelor of Science in Finance from Pennsylvania State University in 1996. Away from work, Peter enjoys playing golf and spending time with his wife Tamara, their three children, and two dogs in Pinehurst, NC.
Master Your Financial Future: Invest, Save, Strategize.
Let's embark on a journey together to secure your financial future. Understanding the ebb and flow of markets, the dance between risk and reward, and how to craft a personal spending and saving plan are the first steps towards building your dream life.
Ready to begin?
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Investing your financial future should never be stressful.
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Investing Methodology
Markets Create Wealth
Investing requires discipline, patience, and time, not short-term gambles. With diversification and commitment, stock market investing offers a pathway to wealth by leveraging compounding interest and global market returns. By owning a diverse mix of stocks, you're investing in business growth, innovation, and revenue potential, driving your long-term financial success.
Risk
Remember, risk isn't just about losing money; it also involves overlooked factors like the impact of rising healthcare costs and inflation on long-term investments. To gauge investment risk, consider the standard deviation, which shows volatility. Less volatility means a smoother journey to your goals. Also, ensure your portfolio is diverse by comparing it with the historical returns of similar assets.
We can help you identify the risks in your portfolio and develop a plan to optimize its chances of success.
Embrace the journey to wealth with discipline and diversification, and navigate the waters of risk with informed strategy.
Investment advisory and financial planning services offered through Kiaros Advisors, LLC, a registered investment advisory firm. Insurance services offered through Peter Kisver are independent of Kiaros Advisors, LLC. Kiaros Advisors, LLC does not give legal or tax advice.
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Financial planning is the art of making intelligent choices about how to use your money.
A financial plan considers your goals, risk tolerance, and time horizon. It helps you achieve long-term and short-term goals by setting targets for them. Financial planning helps you achieve your goals by setting priorities, developing strategies, and monitoring progress.
Financial planning encompasses the identification of your financial goals, an assessment of your current situation, and the development of a plan for reaching those goals. It gives you a framework to plan your financial future by identifying the obstacles that can stand in your way. The most important part of planning is deciding what you want out of life and how much money will be required for each goal. You can't build a solid financial strategy without first establishing why it's important for you to save money or invest at all.
Financial Planning
Financial planning is the smart art of crafting your future, aligning your money with your life's goals and dreams.
Investment advisory and financial planning services offered through Kiaros Advisors, LLC, a
registered investment advisory firm. Insurance services offered through Peter Kisver are
independent of Kiaros Advisors, LLC. Kiaros Advisors, LLC does not give legal or tax advice.
ADVISORS
Click ETHOS to see how affordable life insurance is for you and your family.
Ethos Estimator
Term life insurance is an affordable option. See what it could cost with a few basic questions. If you like what you see, we can help you take the next steps to being covered.
Investment advisory and financial planning services offered through Kiaros Advisors, LLC, a registered investment advisory firm. Insurance services offered through Peter Kisver are independent of Kiaros Advisors, LLC. Kiaros Advisors, LLC does not give legal or tax advice.
ADVISORS
Tax Planning
We're dedicated to putting you in the best possible tax situation, ensuring your financial plan works in your favor. Let's collaborate to discover the most effective ways to lower your taxes and boost your benefits, especially when it comes to retirement and your 401(k).
Understanding and navigating tax laws can be complex, but we're here to guide you. By crafting a tax-efficient strategy, we aim to reduce what you owe while maximizing what you can save for retirement. Together, we'll make sure your financial plan isn't just sound—it's strategic and successful.
Kiaros ensures your financial strategy is not just smart, but tax-smart, maximizing benefits and minimizing liabilities for your success.
Investment advisory and financial planning services offered through Kiaros Advisors, LLC, a registered investment advisory firm. Insurance services offered through Peter Kisver are independent of Kiaros Advisors, LLC. Kiaros Advisors, LLC does not give legal or tax advice.
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Kiaros Insights
Bad financial news abounds. Stock markets are crashing. The economy is in recession. Analysts and experts predict doom. While it's only natural to worry about your portfolio, history says that the worst you can do is anything at all— when, instead, you should be adhering to your long-term plan. As Warren Buffett says, "The stock market is designed to transfer money from the active to the patient.”
Invest in Probabilities, Not Guarantees
Investing is not for the timid. The stock market offers no guarantees but relies on the idea of probabilities; over time, the market goes up and investors who adhere to their investment strategies get their due. Investors who are active and always in the market lose money since bumps in the road are inevitable daily. But they're bumps in the road; one should work through them.
Remember This. The Most Money is Made by the Patient
While Warren Buffett himself is an active investor, he understands one thing about life in the stock market—he and everyone else knows that those who are patient make the most money while everyone else panics and falls by the wayside. Therefore, consider your long-term goals of compounding interest and let your stocks ride out the daily catastrophes.
T
Have a Portfolio that Cushions You During Market
Dips
Having a diversified portfolio cushions you against
predictable stock market volatility. When you
engage in different asset classes, you can balance
your books or offset losses with gains. While this
may not give you a smoother ride, the probability
of investment risk decreases—especially when
markets go haywire.
Market Corrections Are an Opportunity
Market downturns, while unsettling, offer perfect
rebalancing opportunities. This disciplined
approach embodies Warren Buffett's wisdom: "Be
fearful when others are greedy, and greedy when
others are fearful." When markets decline,
rebalancing naturally guides you to sell relatively
stable assets and purchase more equities at lower
prices. While others panic and sell, your
systematic approach ensures you're buying at
discounted prices—without needing to select
individual stocks. This disciplined method not
only maintains your target allocation but positions
your portfolio to potentially capture greater
returns when markets recover.
History Favors Those Who Sit Still
Market corrections happen, on average, once
every year.
However, stocks rebound in just a few months,
meaning when you busy yourself investing
through the corrections, you're in line for the
rewards when stocks are on an uptick once again.
Consider it this way—for example, when the
market crashed in February 2020 due to COVID,
with a $1,000 investment in an S&P 500 index
fund, you immediately lost over 30% of your
equity. But when you held it? By August, you
broke even.
Conclusion: Trust Your Financial Plan
It's easy to be tempted by doomsday headlines or
let momentary inconveniences derail your
intentions. But understand that your financial
plan was designed for intentions over the long
haul. As long as you don't let your emotions get in
the way, it should be clear to you the benefits of
appreciating market growth over time. If you're
uncertain during this seasonal period and how to
properly adjust your intentions for financial
success, feel free to connect. Remember: It's not
about timing the market—it's about time IN the
market. Stay patient, stay diversified, and stay the
course.
Why Patient Investors Win in Volatile Markets
Disclosure: This material is for informational purposes only and does not constitute investment advice. Investing involves risk, including loss of principal. Past performance is not indicative of
future results. Consult a qualified professional before making financial decisions. Kairos Advisors is a registered investment advisor; registration does not imply a certain level of skill or expertise.
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Let's start a conversation
Phone
910-420-0352
pkisver@kiarosadvisors.com