We are a fiduciary, which means we hold ourselves to the highest standard in financial services when serving our customers. Simply put, we’ll only ever recommend products that are the best fit for your personal retirement plan.
We don't believe in hidden fees and high commissions. You'll receive free access to our planning tool and will only pay a fee when you have money managed by Kindur. We can save you thousands of dollars a year compared to typical financial advisors, which means more money for your retirement. See our pricing.
We believe you should be in the driver’s seat of your retirement, which is why we took the guesswork out of retiring with easy-to-use technology, backed by a seasoned team of financial experts.
Kindur Retirement Planner
Get an assessment of your current retirement situation
Understand the best strategy for electing social security
Design your retirement budget and income
Plan and budget for healthcare costs
Receive important reminders about your retirement plan
Compared to the average annual cost of an investment advisor
Our Advisory Fee: $ You save1 $
Total Fee Includes: Kindur Advisory Fee (0.5%) + ETF Fees
When you invest with us, we will select low-cost exchange traded funds (ETFs) to build your portfolio. There is a fee, known as an “expense ratio,” that is automatically deducted by the ETF provider as a management fee. This fee is applicable whether you invest with us or directly with them. You will not be billed separately for this fee. Learn more about ETF fees.
1 Compared to the average cost of an investment adviser: The average annual cost of an investment adviser, which Kindur estimates to be approximately 1.49%, is calculated as the sum of the average investment advisory fee plus the average fund fee. Average investment advisory fees are estimated to be 0.95% annually based on RIA in a Box’s Q1 2018 survey of 1,500 registered investment adviser ("RIA") firms. Average fund fees are calculated based on the Investment Company Institute (ICI) 2017 Trends in the Expenses and Fees of Funds which reported the asset weighted average fees for equity funds to be 0.59% and the asset weighted average fees for bond funds to be 0.48%. For a portfolio comprised of 60% stocks and 40% bonds, Kindur estimates that the annual asset weighted average fees for such a portfolio would be approximately 0.54%.
By comparison, Kindur estimates that as of January 2019 the average annual costs for its services is approximately 0.56%. This is estimate is the sum of Kindur’s 0.5% annual advisory fee plus the weighted average annual ETF fees for a Kindur taxable portfolio invested with a 60% stock and 40% bond asset allocation with no allocation for municipal bonds or REITs which is estimated to be 0.06%. Please note that the particular ETF fees you pay may be higher or lower depending on the particular Kindur portfolio you select and may change over time.
Legal | Licenses
Kindur Investment Services LLC (“Kindur Investment”) is an SEC registered investment adviser. Investment advisory services are provided by Kindur Investment through its online platform and are available only to residents of the United States over 18 years old. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website is for informational purposes only and does not constitute a complete description of Kindur’s investment advisory services. Certain investments are not suitable for all investors and are not available to all Kindur Clients.
Before opening an investment advisory account (including for use of the Retirement Planning tool), you should review Kindur Investment’s Form ADV Part 2, which includes a description of certain risks, conflicts and fees associated with participating in the Kindur platform. Any references on this website to “guaranteed income” relate solely to the fixed annuity product offered by an affiliate of Kindur Investment and not to any investment advisory services provided by Kindur. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC [link to FINRA website and SPIC website], provides custody and clearing services for Kindur and serves as the custodian for advisory assets of Kindur clients.
Fixed annuity contracts are offered by Kindur Insurance Services LLC and are issued by American Equity Investment Life Insurance Company. “Guaranteed income” refers to income paid by a fixed annuity contract that may be sold to a client as a component of Kindur’s retirement platform. Guarantees do not apply to the safety of the contributions to a fixed annuity contract and are based on the claims-paying ability of the issuing insurance company. Detailed information about the fixed annuity can be found in the fixed annuity contract itself and other materials that may be delivered in connection with any application for or purchase of a contract. Early surrender charges also apply to the fixed annuity. Kindur and its affiliates do not provide tax or legal advice.
Fixed annuity contracts are not FDIC Insured and are not Bank Guaranteed.
Taxable distributions (and certain deemed distributions) are subject to ordinary income tax, and if made prior to age 59 1/2 also may be subject to a 10% federal income tax penalty. Early surrender charges also apply to the fixed annuity.
Email: firstname.lastname@example.org Tel: (800) 961-3572
Information provided by Kindur Support is for informational and general educational purposes only and is not investment or financial advice.