Business Details
Our Comprehensive Planning Services tab explains our three-tiered approach of Investment, Tax, and Legacy Planning. We specialize in Comprehensive Financial Planning, Retirement Services, and Consulting Services for Women-Owned Businesses. Here at Kruger Consulting, we provide clear, easily understood explanations of financial products and retirement services.
Our personalized programs can provide you with a roadmap to working towards the financial future you desire. We are dedicated to developing lasting relationships with our clients. We believe in helping you assess your financial goals, participate in the management of your finances, and help keep you on track by consistent account reviews. Our firm has a relationship with a variety of financial services companies, so if we don't have a product or service, we know a group that does.
Here's an update about our services at this time for current and new clients! We are taking appointments and you can choose how you would like to meet, for your convenience.
Our personalized programs can provide you with a roadmap to working towards the financial future you desire. We are dedicated to developing lasting relationships with our clients. We believe in helping you assess your financial goals, participate in the management of your finances, and help keep you on track by consistent account reviews. Our firm has a relationship with a variety of financial services companies, so if we don't have a product or service, we know a group that does.
Here's an update about our services at this time for current and new clients! We are taking appointments and you can choose how you would like to meet, for your convenience.
Services
Meet the Team
Pam is a veteran of the insurance business since 1989 and investment business since 1995.
She is a Registered Representative in the states of Ohio, Florida and Arizona for J.W. Cole Financial, Inc. member FINRA/SIPC located in Tampa, FL.
She currently holds a Series 6, 63, and 65 Securities Registration along with Life, Health, Variable Annuity and Property/Casualty state licenses.
Pam is also an Investment Advisor Representative with Cornerstone Asset Management Services, Inc., and J.W. Cole Financial Advisors to provide fee-based money management services to her clients.
She is a Registered Representative in the states of Ohio, Florida and Arizona for J.W. Cole Financial, Inc. member FINRA/SIPC located in Tampa, FL.
She currently holds a Series 6, 63, and 65 Securities Registration along with Life, Health, Variable Annuity and Property/Casualty state licenses.
Pam is also an Investment Advisor Representative with Cornerstone Asset Management Services, Inc., and J.W. Cole Financial Advisors to provide fee-based money management services to her clients.
Comprehensive Financial Planning
You've worked hard to build your wealth through diligent saving, but you find it difficult to keep up with all of life's demands.
As you continue building, it's important to work with a trusted advisor who can provide a more complete approach involving education, management and objectivity to keep you on track.
By working together, we can help you with an array of wealth planning resources to help you better understand and manage all areas of your financial life, while helping you grow and protect your wealth.
As you continue building, it's important to work with a trusted advisor who can provide a more complete approach involving education, management and objectivity to keep you on track.
By working together, we can help you with an array of wealth planning resources to help you better understand and manage all areas of your financial life, while helping you grow and protect your wealth.
About Kruger Consulting
At Kruger Consulting, we know that you want to be an educated investor and feel in control of your finances.
In order to do that, you need a guide to inform and educate you on your best options that fit your individual financial needs.
The problem is, you don't have the time to research all these options, and today's society encourages us to spend money, not save it.
This leaves you feeling stressed and uncertain about your future.
You deserve to feel secure and confident in your retirement years.
In order to do that, you need a guide to inform and educate you on your best options that fit your individual financial needs.
The problem is, you don't have the time to research all these options, and today's society encourages us to spend money, not save it.
This leaves you feeling stressed and uncertain about your future.
You deserve to feel secure and confident in your retirement years.
Sandwich Generation
As the elderly population grows and young adults are struggling financially, many individuals are finding themselves "sandwiched" between aging parents and their adult children.
This position of caring for both their children and parents simultaneously creates both an emotional and financial hardship.
This rising demographic already accounts for about 47 percent of adults in their 40s and 50s.
With so much stress, this "sandwich" generation can experience caregiver burnout, issues finding time to be an attentive spouse/parent, trouble managing work, hobbies and anxiety as their pulled in multiple directions every day.
This position of caring for both their children and parents simultaneously creates both an emotional and financial hardship.
This rising demographic already accounts for about 47 percent of adults in their 40s and 50s.
With so much stress, this "sandwich" generation can experience caregiver burnout, issues finding time to be an attentive spouse/parent, trouble managing work, hobbies and anxiety as their pulled in multiple directions every day.
Women-Owned Business Consulting
Do you have a burning desire to open your own business but confused about where to begin?
Have you opened your own business recently but don't know what step to take next to grow?
Or maybe you've been in business for a few years and want to begin offering employee benefits?
I am a self-made business owner in the financial industry for over 25 years.
Though I've taken a lot of industry training to learn the sales process, no one taught me how to run a business, hire employees, handle the finances and track my growth.
Have you opened your own business recently but don't know what step to take next to grow?
Or maybe you've been in business for a few years and want to begin offering employee benefits?
I am a self-made business owner in the financial industry for over 25 years.
Though I've taken a lot of industry training to learn the sales process, no one taught me how to run a business, hire employees, handle the finances and track my growth.
Articles
We've put together a library of information on important financial topics that we believe you'll find helpful.
This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.
Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.
Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.
This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.
Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.
Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.
Calculators
Our financial calculators are designed as educational tools to help you estimate answers to common financial questions.
They are not intended to predict future returns or results.
These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product.
Rates of return will vary over time, particularly for long-term investments.
Investments offering the potential for higher rates of return also involve a higher degree of risk of loss.
They are not intended to predict future returns or results.
These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product.
Rates of return will vary over time, particularly for long-term investments.
Investments offering the potential for higher rates of return also involve a higher degree of risk of loss.
Flipbooks
Among the lessons of the recent financial crisis is the need for virtually everyone - young and old - to acquire a basic knowledge of finance and economics.
These magazine-style flipbooks provide helpful information on a variety of financial topics and illustrate key financial concepts.
Select one of the flipbooks below and click the image to view it.
The decisions you make about money form the basis for your financial future and can help you pursue your goals.
Weighing the risks and rewards of various investment options can help you develop a sound investment strategy.
These magazine-style flipbooks provide helpful information on a variety of financial topics and illustrate key financial concepts.
Select one of the flipbooks below and click the image to view it.
The decisions you make about money form the basis for your financial future and can help you pursue your goals.
Weighing the risks and rewards of various investment options can help you develop a sound investment strategy.
Tax Library
We've put together a collection of resources to help you manage your taxes as well as prepare for the upcoming tax season.
This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties.
You are encouraged to seek advice from an independent tax or legal professional.
The content is derived from sources believed to be accurate.
Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.
This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties.
You are encouraged to seek advice from an independent tax or legal professional.
The content is derived from sources believed to be accurate.
Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.
Videos
These engaging, short animations focus on a variety of financial topics and illustrate key financial concepts and current events.
Choose any of the videos below and then click the start arrow to watch.
Dollar-cost averaging is a disciplined investing approach and is one way to ride out market fluctuations.
When leaving your employer you'll need to decide what to do with the money in your retirement savings plan.
Financial planning is a process that can help you reach your financial goals by evaluating your whole financial picture.
Choose any of the videos below and then click the start arrow to watch.
Dollar-cost averaging is a disciplined investing approach and is one way to ride out market fluctuations.
When leaving your employer you'll need to decide what to do with the money in your retirement savings plan.
Financial planning is a process that can help you reach your financial goals by evaluating your whole financial picture.
