(954) 568-4910 rbckelly@gmail.com

Welcome to Robert P. Kelly Financial Inc.

Helping You Secure Financial Peace-of-Mind

Listen To Some Client Testimonials:

Frank New- Retired Pastor

Louise Bridges- Self Employed 14 years

David Lepeer- Retired at age 62

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About Us

Who We Are At Robert P. Kelly Financial Inc.
Robert Kelly

Robert Kelly | Retirement Planning Specialist

Robert Kelly has been serving his clients as an independent agent in Florida since 1999, and, 9 years ago expanded his business to service his many clients in Michigan. Robert was a featured representative and expert on two Nationally Syndicated Radio Shows, “Straight Talk Wealth Radio” and “The Retirement Solution Show.” Our offices are licensed in Florida, Michigan, Ohio, North Carolina, Virginia, and Texas.

We offer Fixed Index Annuities as well as other types of insurance products including Health Insurance, Medicare Advantage and Medicare Supplements, Life Insurance, Disability Insurance and Long Term Care Insurance.

We are affiliated with top-flight national agencies and have back office support and guidance on case design and product training, making sure we bring the right products to our clients. We are independent agents, which means we can seek out the best products from all the major carriers’ offerings, working with all the major A-rated carriers in the various fields to find the right products for our clients at the best rates possible.

“My wife and I are glad to be in an annuity given what the stock market has been doing and what it possibly will do in the months ahead.” John C., Allen Park Michigan

“In my first meeting with Bob Kelly he had good information on the companies he worked with, and products they offered for new clients. He had active licenses in several states. He worked with me in several meetings and I chose my investment. A good man to work with.” Donald S., West Palm Beach Florida

“Bob Kelly is a highly knowledgeable professional in his field. He will carefully listen to his clients, analyze their specific needs and then recommend fair and appropriate insurance answers. He conducts his business with integrity and honesty – attributes which seem to be in diminishing supply these days. Above all, Bob will stick by his clients and respond to on-going questions and challenges in a very timely, attentive and reassuring way. I unhesitatingly recommend his services.” Keith H., Parkland Florida

“Robert Kelly is very knowledgeable in what he says and does and always available…a true diamond in this time of uncertainty!” Estelle B., Berkley Michigan

“Bob Kelly is professional and explains the products he represents very well. He follows up to make sure you understand and feel comfortable about your investment. He visits and updates you on your investment annually. Excellent follow up and concern for his clients.” Ken H., Lighthouse Point Florida

Our Financial Services

What We Do For Clients At Robert P. Kelly Financial Inc.

What We Offer

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.

That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They are guaranteed to always receive that monthly check.

If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.

You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservation of your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!

Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.

Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?

We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!

 

Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.

Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.

Contact our office today to schedule a one-on-one estate planning consultation.

Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
  • Transfer the money to another employer-sponsored plan (if the plan allows)
  • Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!

Safe Money & Income Radio

Robert Kelly On Air

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Video Library

Watch These Videos To Find Out How We Can Help You Plan For Your Future

Growth Without Market Risk

Guaranteed Lifetime Income Riders

Variable Annuities- How They Work and All Their Fees

401K Fees and Rollover Options

Understanding Mutual Funds- Their Fees and Expenses

Reduce Your Financial Risk In Retirement

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How Can Robert P. Kelly Financial Inc. Help You?

How Can We Help You?