Life Is Not Defined by Numbers Alone
The Kaminsky-Silverman Group
We partner with successful families and individuals like you.
Whether you’re a young professional formulating a savings and spending plan, an entrepreneur seeking organization, a divorcee navigating life transitions, or a retiree wanting to protect assets for decades to come, we respond to your top-of-mind questions and create dynamic financial plans that work.
While the financial sector often assumes that achieving your vision is solely a function of number crunching - get the math right, and everything else falls into place, we believe that life is not defined by numbers alone. Our bespoke solutions are specifically tailored to reflect the unique individuals we serve. Our approach bridges the gap between data and quantitative analysis, with qualitative details such as your most deeply held principles, values, and goals to develop a long-term plan for your future. We explore opportunities, safeguard against potential pitfalls, and employ our unique EQ/IQ process to create comprehensive financial plans.
We look forward to the opportunity to collaborate with you and your family.
Meet the Kaminsky-Silverman Group
The best compliment we’ve received from those we serve is that we’ve made them feel like they’re our only client. The testimonial emphasizes our focus on long-term relationships and high-quality high-touch service. With a diverse range of experiences and perspectives, we are planners and investors who consider the individual, not just the numbers.
The Kaminsky-Silverman Group is part of Shufro Rose, an independent firm with an eight-decade long track record of assisting generations of individuals and families. Having collaborated closely for nearly two decades, Tonia Kaminsky and Barbara Silverman inaugurated The Kaminsky-Silverman Group in 2015.
Depending on your situation, and your wants and needs, your tailored financial plan can encompass some, or all, of the following components:
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RETIREMENT PLANNING
By helping you define your retirement goals, structuring tax-efficient withdrawals, and mitigating risks, we work with you to develop a playbook to achieve and enjoy a successful retirement. We become your financial quarterback by understanding and managing the many moving pieces of your financial picture.
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INVESTMENT MANAGEMENT
We develop customized portfolios to meet your financial objectives. Our long-term approach focuses on asset allocation models, diversified across geographies and asset classes, that utilize investment factors to help drive returns and reduce volatility over time. We employ ETFs, in some cases enhanced by individual stock selection.
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TAX OPTIMIZATION
We want you to keep more of your nest egg. We build tax-optimized investment portfolios, collaborate with your accountant, and assist with other tax-saving strategies related to charitable giving and estate planning.
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ESTATE PLANNING
We ensure your final intentions are honored by educating you about your options, thoroughly reviewing your existing documents and asset titling, and establishing appropriate vehicles related to Medicare and Special Needs.
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INSURANCE AND ASSET PROTECTION
In addition to providing for your loved ones, thoughtful insurance strategies can protect your hard-earned wealth, create tax shelters, and allow assets to last longer. We review your existing coverages, conduct needs analysis, and offer unbiased advice. We do not sell insurance or collect any commission and referral fees.
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CHARITABLE GIVING
Personal benefit is usually not at the heart of giving. However, being intentional with monetary contributions to charitable organizations may not only propel your values forward but may also meaningfully impact your financial future from a tax and estate planning perspective.
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EDUCATION PLANNING
Navigating the historically high education costs may feel like a daunting task to those who want to provide the gift of education to their youngest loved ones. We help you navigate the myriad of available options available, from 529s to UTMAs to Trusts.
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PLANNING FOR NEXT GEN
From meeting the needs of young executives navigating their stock awards and employee benefit plans, guiding new parents as they move through significant life events, and supporting the youngest generations who are just starting out, it is never too early to seek our guidance to your top-of-mind questions.
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SPECIAL NEEDS PLANNING
We have specialized knowledge, and personal experience, focused on special needs planning. We guide families through important financial decisions like estate planning and eligibility for government benefits to ensure a secure financial future for their loved ones with disabilities.
Our Insights
Welcome! Here, we share insights, tips, and the latest developments related to personal finance. Whether you are seeking specific or general advice, you’ll find valuable information to enhance your knowledge and stay updated on our constantly evolving field. Please contact us if you do not find the information you are seeking. Happy browsing!
