Ross Kline

Financial Planner
investment Advisor

Optimize your finances and invest with a plan

Ross Kline is a full service independent financial planner and investment advisor who helps people achieve financial freedom through financial planning and intelligent investing.


Exactly how to achieve financial freedom.

Grow your assets and create passive income.

What Phase of Life Are You In?

Phase 1: Age 20-30

This is the hardest part of life, financially. Many people graduate with tons of debt, move to a new area, start their career (making entry-level pay), get married, have kids, buy a house, etc. It's a lot to figure out.

I can help you figure all the financial stuff out and make sure you're on the right track. You don't need a lot of money to work with me. I'll help you set meaningful goals, organize your finances, create a game plan for success, and meet with you regularly to keep you on track. You also get unlimited access to me for questions between meetings.

Phase 2: Age 30-50

This is the prime of life, financially. Most people are well established in their careers and making good money, they've got their essential finances in order, and have [hopefully] started investing. Some people also start their own business.

If you're working for a company, I can help you analyze your benefits to make sure you're not leaving anything on the table, and build a rock-solid plan for achieving financial freedom.

If you have a family, I can help you buy life insurance to protect your family's lifestyle, and setup a 529 plan so your kids won't have student loans.

If you're a business owner, I can also help you setup a retirement plan and group life policy to attract the best employees, and create an exit plan in case something happens to you, or you decide to sell the company.

Phase 3: Age 50-65

There's something about "50" that makes people start taking "retirement" seriously. Most people's kids have moved out or are in college, and they're making a lot of money due to being in a senior position at work, or from having built a profitable business. So there's now room in the budget for stockpiling money. The problem is, the government is taking all of it in taxes! The other challenge is many are now also taking care of aging parents. This makes them realize the importance of planning for their own long-term care.

I can help you figure out how much money you're going to need to achieve financial freedom, take advantage of retirement accounts and tax-saving investment strategies to pay less taxes, and optimize your finances to accumulate money as quickly as possible.

Phase 4: Age 65+

This phase of life can either be boring and stressful, or exciting and free. It just depends on how confident the person is in their retirement plan. Ideally, it should be about making memories and enjoying life. And for many, it's a time of giving back to their community and paying it forward to the next generation.

I can help you figure out how much money you can spend without running out of money, the best time to turn on social security, and pick wise investments that maximize your retirement income and protect your money.

I can also help you position inheritance assets intelligently to protect them from taxes and fees. That way, your beneficiaries receive as much benefit as possible.

Who is... Ross Kline?

Ross Kline was born in Frankfort, KY and raised by an accountant. So finance has been an integral part of his life from childhood.

Over time, Ross became fascinated with the financial industry and took particular interest in how wealth is created. This motivated him to focus his educational studies on economics, business management, and mathematics.

After graduation, Ross took a position as a tax preparer and accountant with the family business, but ultimately found the role to be too mundane, longing for more human interaction. So he took a position as a loan officer for a local bank, but quickly found that the sales-driven culture conflicted with his desire to focus on helping people.

After leaving the bank in 2014, Ross found financial planning and discovered his calling in life! He dove in head-first and acquired three licenses (advisory, brokerage, and life insurance) that enable him to offer truly comprehensive service.

As an independent advisor, Ross has the freedom to work directly with his clients and put their interests first. He develops deep and meaningful relationships with each and every client, to earn their trust in hopes of helping their family for a lifetime.

When not at the office, Ross is an avid outdoorsman and athlete, so you’ll often find him hitting balls on the golf course, panting through the woods on his mountain bike, or lifting weights at the CrossFit gym.

He and his wife Whitney love to travel and enjoy exciting and interesting food from all walks of life, and regularly visit the Rockies for snowboarding, and the Gulf Coast of Florida for turquoise water and relaxation.

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