Knugget Financial Services (KFS)
Product Solutions
At Knugget Financial, we believe true financial peace of mind starts with a plan tailored to your legacy—not a one-size-fits-all product.
Our Wealth Waterfall™ and Golden Bridge Method™ are more than financial strategies—they're frameworks designed to help you take control of your future with intention.
Whether you're building wealth today, protecting your family for tomorrow, or planning your generational transfer, our experienced financial professionals will walk with you every step of the way—just like a trusted family office should.
Strategic Wealth Planning, Built Around You
As life evolves, so should your financial strategy. At Knugget Financial, we act as your personal financial guide—offering family office-style services to help you grow, protect, and pass on wealth with purpose.
Our team of trained professionals specializes in crafting personalized, values-driven strategies that evolve with your unique circumstances. Whether you're navigating a career shift, expanding your business, preparing for retirement, or laying the foundation for generational legacy—we help bridge the gap between where you are now and where you aspire to be.
Comprehensive Financial Needs Assessment
We evaluate your full financial picture—from income and liabilities to protection gaps and legacy intentions.Goal Setting & Legacy Visioning
Together, we clarify your short-term priorities and long-term goals, including retirement, education funding, and wealth transfer.Tailored Strategy Implementation
Using our proprietary Wealth Waterfall™ and Golden Bridge Method™, we design customized, tax-advantaged solutions that grow with your life and legacy.
Protect What Matters Most—With Purpose and Precision
We believe insurance isn’t just about protection—it’s about positioning your wealth to serve your family across generations. That’s why we integrate our signature Wealth Waterfall™ Method into every insurance conversation, ensuring your policies not only cover today’s risks but also fuel tomorrow’s legacy.
Whether you're planning for unexpected illness, long-term care, or financial security after loss, our personalized solutions are designed to meet your needs—and grow with your life.
Life Insurance
More than just a death benefit, life insurance is the foundation of the Wealth Waterfall™—funding trusts, retirement, education, and generational transfer through vehicles like Indexed Universal Life (IUL).Disability Insurance
Ensure income continuity in the event of injury or illness. Our tailored disability plans are part of your overall wealth protection layer.Long-Term Care Insurance
Protect your retirement assets and reduce the emotional and financial burden on your family with a long-term care strategy built into your wealth system.Guaranteed Interest Solutions
Stabilize your portfolio with secure, fixed-interest products that act as a foundational tier in your Waterfall—preserving capital while creating dependable growth.
Retirement Strategies
We’re here to help you make the most of your golden years. Our experienced financial professionals work with you to develop a retirement strategy tailored to your goals and lifestyle. Choose from a range of options designed to ensure a secure and enjoyable future, including:
Annuities: Create a steady income stream for life.
Individual Retirement Accounts (IRAs): Build your nest egg with tax-advantaged savings.
Investment Strategies: Grow your wealth with customized portfolio management.
College Funding Plans
With the soaring costs of higher education, early planning is essential. Whether you're preparing to send your first child or your fifth off to college, we can help you create a savings plan that works for your family. Our solutions include:
College Savings Plans: Tax-advantaged savings for tuition and more.
Education Savings Accounts (ESAs): Flexible savings options for education expenses.
Investment Strategies: Tailored plans to grow your college fund.
Smart Strategies for Business Builders
Building a successful business takes more than hard work—it requires a financial framework that protects your people, powers your growth, and preserves your legacy.
We serve as your strategic partner—offering boutique, family office-style planning tailored to entrepreneurs and small business owners. Whether you're scaling operations, planning for retirement, or preparing for succession, we help align your business success with personal wealth creation.
Growth-Focused Financial Strategies
Fuel long-term expansion with personalized savings, tax-advantaged investment vehicles, and strategic cash flow planning.Retirement Plans for Your Team
Attract and retain top talent by offering competitive benefits like 401(k), SEP IRA, or SIMPLE IRA plans—all designed to scale with your business.Executive Compensation Planning
Reward key contributors and executives with creative, tax-efficient bonus, deferred compensation, or executive benefit structures.Business Continuation & Succession Planning
Safeguard your company’s future with customized buy-sell agreements, key person insurance, and Golden Bridge Method™ strategies for wealth transfer and ownership transition.
Estate Preservation
We understand how hard you’ve worked to build your legacy. That’s why we collaborate with your tax and legal professionals to craft a strategy designed to help you retain more of your wealth and reduce the impact of federal and estate taxes. Our solutions include:
Charitable Giving Strategies: Maximize your philanthropic impact while reducing tax burdens.
Life Insurance Solutions: Provide liquidity for estate tax obligations.
Trust and Estate Planning Services: Protect your assets for future generations.
Neither Knugget Financial Services, its subsidiaries, nor its agents may provide tax, estate planning, or legal advice. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own tax and legal professional regarding their particular situation and the concepts presented herein.
Network of Providers
Knugget Financial Services offers our vast selection of financial strategies and services through relationships with some of the most well-known providers and carriers in the industry. In fact, each provider we partner with must be rated A or higher by industry standards. Here are a few of the quality providers we represent:
U.S. Providers
Canada Providers
The city and state locations of the U.S. companies are: AMS Financial Solutions, Baton Rouge, Louisiana; Crump, Harrisburg, Pennsylvania; Everest Funeral Package, LLC, Houston, Texas; Nationwide Life Insurance Company, Columbus, Ohio; Pacific Life Insurance Company, Newport Beach, California; Transamerica Life Insurance Company, Cedar Rapids, Iowa.
Frequently Asked Questions
Can I take advantage of multiple financial solutions with KFS?
Absolutely! When you contact a local independent agent for the first time, you can list your needs and goals. For example, you can apply for life insurance while setting up your long-term retirement strategy. Or you can talk about saving for your child’s college fund while learning about business strategies as a small business owner.
How much life insurance do I need?
Determining the right amount of life insurance coverage depends on an individual's circumstances and financial goals. Consider your health, age, debt, and how much income your loved ones would need to maintain their current lifestyle if you were no longer around. Also, keep track of your current savings and other investments, as these will help you decide on a policy.
Can KFS help me with tax planning and preparation?
Unfortunately, tax planning does not fall under our list of financial services. We can, however, help with estate preservation. Your CFS agent can work alongside your tax and legal professionals in an effort to minimize taxes, expenses, and legal issues while maximizing the value of the estate left behind for beneficiaries.
How can I start saving with a limited budget?
Saving money with a limited budget is an achievable goal. Start by setting clear financial goals and creating a budget. Assess your income and expenses to identify how much money you can afford to save regularly. Although saving with a limited budget means you may not see substantial gains immediately. Stay patient and focus on long-term growth. Finally, learn about different options and strategies by contacting a KFS agent.
Let KFS Help You
Need help choosing products and services to pursue your financial goals? Our financial professionals are standing by with the insight and tools you need to put them within reach.
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