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<h1>Our Firm</h1>
<p>KM Financial is an independent financial firm dedicated to helping our clients build wealth and maintain their valued assets. We are completely independent, so our loyalty belongs exclusively to our clients -- not to a parent company.</p>
<p>Our independence enables us to establish working relationships with a number of industry-leading mutual funds and insurance providers whose products we use to create customized clients portfolios. We recommend only those products and services that can be tailored to suit our clients' unique needs.</p>
<p>Please call us at <span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">313-308-1000<a style="position: static !important; margin: 0px; width: 16px; bottom: 0px; display: inline; white-space: nowrap; float: none; height: 16px; vertical-align: middle; overflow: hidden; top: 0px; cursor: hand; right: 0px; left: 0px;" title="Call: 313-308-1000" href="http://www.kmfinancialonline.com/Our-Firm.1.htm"><img style="position: static !important; margin: 0px; width: 16px; bottom: 0px; display: inline; white-space: nowrap; float: none; height: 16px; vertical-align: middle; overflow: hidden; top: 0px; cursor: hand; right: 0px; left: 0px;" title="Call: 313-308-1000" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABAAAAAQCAYAAAAf8/9hAAAACXBIWXMAAA7EAAAOxAGVKw4bAAAAIGNIUk0AAHolAACAgwAA+f8AAIDpAAB1MAAA6mAAADqYAAAXb5JfxUYAAAKLSURBVHjadJPfS5NhFMe/21xvuhXRyJAZroiSrJnbRdT7vrAf5HBaK5RABmEEwQIvkpZ/QRcWXdSFw5soKaF0F7qZeLO13mGBDpQsf5CoxVKHOt0Pctp2uvEdrzG/V+c553w/54HnPDIiQiGpPMETABoB2AAYd9MRAMMAvGmX+RcAyAoBVJ7gZQDtABworH4AHWmX+bOMZdkjCoXiUzabvcAwzPSsob5p/VTNY9GcdpnxdmYZ9wJThSCtCr1e/4XjuNPd3d1KjUZzaGbI27ysqzGQoggAsLa1A7ehArrDxfDNr0oBlQB+wmKxbJFEL968SxoamsjkHaPU9l9piUo6A0RE1DG2QCWdASrpDAzJM5kMI8XecdjVxfEl+K9dxFgsgUvvR6HyBKHyBAEATyKLeGSsENuNcqk5kUjEGm7fzcYqr0ClVODl99+YXEvl6+c1amjVe+ahiGGYaUEQKnmeh91uL43rqheixjpdmzCL11er0PcjhrTLvMfUJsyKYUSeyWQ6enp6tgCgrKxsfbP8bB8AdE1G89cOReMAgOv+Cag8QXRNRkXAsDwcDr+am5tLCYKA3t7eo2dG+1vVK/MfpRPtA+MIReMYaKj+/xm9MiICx3EmpVL5wefzFavValis1u1vvHMkdfykCQC0kSGUTo+Ajmnx1dSC7IGD+UUCEYGIwLKsyWazrSeTSSIiMpnNf7Ttz5+ec96fr7/VnE0mk+QfHMzV3WjcKH/4rEr05QGFIA6HY4llWRLPRER+v3/HYrFMFQSIkNra2tVQKJSlfcSyLO0LECFWq3XF6XRGA4HAptTsdrsXeZ6fEHtl+31nAOA4rkUulz/I5XL63dQGgHEAN8Ph8AYA/BsAt4ube4GblQIAAAAASUVORK5CYII=" alt="" /></a></span> if you have any questions about our firm or the range of financial products and services we provide through Sigma Financial Corporation.</p>
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</table>. <h1>Our Services Through Sigma Financial Corporation</h1>
<p><span style="font-family: Arial;">We serve individuals and businesses in all areas of financial planning. The key areas that we cover are presented below:</span></p>
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<p><span style="font-family: Arial;"><strong><em>S: Sophisticated Insurance Planning.</em></strong> The standard practice for managing risk is to make judicious use of insurance. This includes life (universal,variable universal,whole life,term life),survivorship (second-to-die),disability,long-term health care,liability,homeowners,automobile,and other forms of insurance.</span></p>
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<p><span style="font-family: Arial;"><strong><em>E: Educational Planning</em></strong>. Savings for college education are done through several vehicles,including Section 529,UGMA,UTMA,Education IRAs,and variable universal life.</span></p>
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<p><span style="font-family: Arial;"><strong><em>C: Customized Budget Planning/Charitable Planning</em></strong>. A customized budget is developed for each client. Clearly,the budget analyzes and documents the expenses associated with maintaining a desired lifestyle. In addition,the customized budget incorporates the cash outflows associated with other key financial areas,including insurance,education,retirement and extraordinary events. </span></p>
<p><span style="font-family: Arial;">Charitable giving can take many forms. One can contribute to charities on a random basis. KMF also selects sophisticated strategies like family foundation,charitable remainder trusts,and charitable gifts to help clients achieve their charitable goals.</span></p>
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<p><span style="font-family: Arial;"><strong><em>U: Ultimate Disposition through Estate Planning</em></strong>. The basic objective of estate planning is to ensure that upon death,the estate is distributed in accordance with the wishes of the deceased; also,the estate taxes are either eliminated or minimized. Other sophisticated estate planning goals include: creative ways of keeping the wealth in the family,ensuring that the basic needs of the spouse and children are duly met,and the funds that might otherwise go to the IRS are diverted to charities. </span></p>
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<p><span style="font-family: Arial;"><strong><em>R: Retirement Planning</em></strong>. It is <em>time in</em>,and not <em>timing</em>,that makes the real difference in planning for retirement. Those who start early and are determined to stay the course invariably turn out to be the most successful retirement planners. Managing assets before and during retirement are key.</span></p>
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