Your Partners in This Journey
Jeffrey Mohlman, CTS, CDFA®
Certified Tax Specialist, Certified Divorce Financial Analyst Professional, and Retirement Income Planning Consultant
If you were to write down on a piece of paper what you desire as a retirement plan and what that plan should consist of what would it look like? What would the requirements be from you each and every month? What role would ‘certainty’ play in it? Do you often ask yourself the question: ‘why do I invest money into an account in which I have no control over the fees, no control over the market fluctuations and most importantly the future taxes that I will be forced to pay on it? And how about, ‘why am I working with an adviser who tries to handle every aspect of the planning process?’
These are serious concerns. And ‘life happens’ so we tend to get busy and put-off these important decisions until we are far down the road to retirement. That’s right, we do that ‘saving-thing’ each pay period which adds stress to our budget all the while, the account that we invest it in does not actually benefit us now or down the road, but for reasons we can’t quite put our finger on. That’s right, we need it while we are working and raising a family but we keep adding to it knowing we cannot get access to it. And at retirement we get punished for waiting to pay taxes on these monies and then we get punished in yet another way. For following the retirement strategy everyone else followed, we now have a tax penalty on our social security income. This isn’t fair and if you are tired of following the herd to their demise, we might be able to help.
In 2005 after Jeffrey was certified as a MetLife Financial Planner he worked with a group of elite but traditional financial planners in Dayton, OH. It was here that he began to question how anyone would be able to continue to justify the traditional methods of planning for a retirement with taxation ‘yet-to-be-determined’ and a lock and key put on these monies.
With tax rates set to soar during the time that many of the baby-boomers begin their retirement it has become critical to have a team that you believe understands tax-efficient strategies that can work within your unique situation.
Along the way, Jeffrey has been awarded many accomplishments for the work he does with his clients. He has qualified for the prestigious Million Dollar Roundtable® every year since 2002. He has achieved the level Court of The Table four times and Top of The Table three times. He was awarded ‘Lifetime Member’ of the MetLife President’s Conference in 2008. He was also awarded ‘Lifetime Member’ of the Banker’s Life President’s Conference. In 2020 he was awarded the prestigious San Salvador top advisor award from Columbus Life/Western Southern Financial Group. None of these accomplishments mean as much as the feedback he gets from his clients each and every year. His client retention rate continues to rank at or near the top at over 99% for more than 15 years. Afterall, this is the ultimate measuring stick for Jeffrey and his team.
Financial Consultant and Debt Elimination Strategist
Starting in 2011, Kyle has always built his career with a client-centered approach. Beginning his business with a focus on Medicare gives him a unique perspective on the retirement planning process. While many advisors spend most of their time focused on planning for retirement, he was able to see what retirement actually looked like for thousands of people. Kyle always thought that by the time someone retired they would be debt-free and have saved enough to enjoy the golden years. However, that is not the case for many.
Kyle was shocked to see how many households lived in retirement with debt. It wasn’t just having a mortgage either. Most of the households he visited with had a mortgage, credit cards, vehicle loans, medical debt and some of them even had student loans. He also was able to see the negative impact this debt had on their ability to save for retirement. For those few who were able to save for retirement, most, if not all, of their money was in tax-deferred accounts. This meant that every time the money was used, taxes would be due forcing them to take more out of those accounts than was needed. This didn’t look like the American Dream. There had to be a better way. So, he started to look for effective strategies to help the average American get out of debt.
It is for this purpose that Kyle is part of the Safe Money Partners Team. His mission; to help the average individual, couple or business owner get out of debt faster than they had ever thought possible. To educate them on the methods to stay out of debt and stop paying interest to the banks and lenders but instead redirect those interest payments back to themselves. Most importantly to follow through on the promise made to each and every debt elimination client; that once their debt strategy gets them Debt Free For Life he will personally take them onto the next step of building a sound, S.M.A.R.T. financial strategy for a tax-aware future.
Financial Planning, Estate Planning Coordinator
Patrick became a MetLife Financial Planner more than 15 years ago. He has built a practice that focuses on what his client’s ‘keep’ in retirement not what they ‘take’ in income. Patrick has spent the past 10 years becoming well versed in his client’s concerns for retirement income planning. He and his partners have developed strategies that allow future retirees to reallocate their tax deferred monies into accounts which may keep them from getting penalized on their social security income.
Tax Credit Recovery Coordinator
Yogi has owned and operated his own successful small business the past 3 years. He has developed a network of tax specialists and tax aware financial advisors who work with small business owners to help them identify sources of potentially lost revenue sources and recoup that revenue to help them expand their business.
CTC Tax Strategy Pro
40+ years as an Accountant, Certified Tax Coach, Tax Practitioner and Estate and Financial Planner (approved to practice in all 50 states).
Director and Business Manager at Legacy Planning Associates, Estate Planning Coordinator
Studied Accounting at the University of Wisconsin-Platteville, 4 years post college in business management, and 15 years an owner/operator of a small business in Beavercreek, OH.
Estate Planning Coordinator and Business Manager at Legacy Planning Associate
35 years of tax accounting/bookkeeping/payroll and business management.
Donald Kiley II
Licensed Insurance Agent, Estate Planning Coordinator
Graduate of The Ohio State University School of Business and Finance.
Tax Credit Analyst
Kevin joined SMP from Miami University in Oxford, OH. His focus at Miami was Business, Entrepreneurship and Digital Marketing. Kevin spent the previous 5 years working in his families successful small business enterprise throughout the greater Cincinnati area.
Owner, Finances Made Simple
Jon has more than 30 years in the financial service & insurance industry. He gained a wide range of experience in a previous position where he ran 5 branch locations for a large financial service conglomerate for 11 years. He is currently a Research & Development Tax Credit specialist primarily advocating for business owners. He’s passionate about helping business owners find the right financial solutions to help their businesses prosper and also keep more of their own personal money.
Jon is a proud father of 6 & has one grandchild.
He currently still likes to play old man hockey with his friends and teammates.
Joseph A. Downing, L.P.A.
Areas of Practice: Estate Planning, Tax Planning, Trusts & Estates, Elder Law, Medicaid Planning and Wills, Guardianships, Probate, Business Law, Business Planning, Commercial and Residential Real Estate.
Licenses and Education: admitted to bar, 1996, Colorado; 1998, Ohio and U.S. District Court, Southern District of Ohio. Education: University of Dayton (B.A., 1992); Ohio Northern University (J.D., 1996).
Memberships and Professional Associations: Tipp City Chamber of Commerce, 1997– 2004; Tipp City Chamber of Commerce Representative Counsel; Tipp City Downtown Business Partnership Representative Counsel; Tipp City School Board 2002-2006; Tipp City Rotary Club; Tippecanoe Educational Endowment, advisor 2004-2008; Miami County Bar Association; Dayton Bar Association; Ohio State Bar Association; Dayton Bar Estate and Trust Committee; Volunteer Lawyers Project; March of Dimes Signature Chef’s Auction Committee, 2010.
Awards: 2001 Tipp City Chamber of Commerce Volunteer of the Year; 2004 Dayton Business Journal Best of Bar, Business Sector; 2005 Dayton Business Journal Top 40 Under 40; 2005 Cincinnati Magazine Superlawyers Rising Star, Business/Corporate Sector; 2006 Cincinnati Magazine Superlawyers Rising Star, Business/Estate Planning; 2007 Cincinnati Magazine SuperLawyers Rising Star, Business/Estate Planning.