Advanced Strategies for Complex Wealth
Direct Indexing
Personalized index investing that empowers you to own individual stocks rather than a generic fund.
KPP Financial offers four core custom indexing strategies, but we have the flexibility and expertise to tailor your portfolio to any specific preferences or objectives you may have.
KPP Global ADR SMA
Exposure to a global portfolio of stocks. 70/30 target US/International allocation.
KPP U.S. Core SMA
Broad exposure to 3,000 U.S. companies across all market caps. Covers -98% of the total U.S. equity market.
KPP U.S. Dividend Focused SMA
Focuses on large U.S. companies with strong balance sheets and dividend payments.
KPP U.S. SMD Core SMA
Offers exposure to U.S. small and mid-cap companies. Covers about 22% of the total U.S. equity market.
Strategic Tax-Loss Harvesting
We sell individual stocks at a loss to offset capital gains, potentially adding 1% or more to your after-tax returns annually.
Customization
Unprecedented flexibility to exclude specific sectors or align your portfolio with ESG (Environmental, Social, Governance) principles.
Deferred Sales Trust
| The Problem | The Solution |
| Selling a business or appreciated real estate often triggers a massive capital gains tax bill. |
An alternative to the 1031 Exchange. |
Turning a Tax Bill into an Income Stream
The DST allows you to sell appreciated assets (business or real estate) without triggering an immediate capital gains tax event. It works by converting your equity into a secured note.
The Transfer
Rather than selling directly to a buyer, the Trust purchases your property or business.
The Sale
The Trust immediately resells the asset to the ultimate buyer. Because the Trust purchased it for the same price it sold it for, there is zero gain at the Trust level.
The Deferral
The transaction is structured as a "seller-carry back." You receive a DST Note rather than a lump sum of cash. This defers your tax liability until you actually receive principal payments, allowing the pre-tax proceeds to be invested for retirement income.
Partnership
Provided in partnership with the Estate Planning Team.
Employer Plan Management
401(k), 403(b), TSP, 401(a), 457s, 529s, and other retirement accounts typically represent a significant portion of an investor’s wealth. Surprisingly, many investors do not prioritize these accounts as they would their other assets, often leaving them without proper management. Studies have shown that having professional management of these accounts can generate, on average, 3% better performance each year, net of fees.
Professional Management. Zero Disruption.
We have partnered with Pontera, a secure platform that allows us to manage your workplace retirement account exactly where it is housed. You keep your current login, and the client interface does not change—but KPP gains the ability to analyze and trade on your behalf
Complexity Requires Conversation.
These strategies require precise execution. Select the path that matches your current financial priority to connect with our leadership team.
For Tax & Portfolio Customization
Ready to build a personalized index or offset capital gains? Start with a comprehensive review of your current holdings.
For Business & Real Estate Sellers
Selling a highly appreciated asset? Determine if a DST can defer your capital gains taxes before you close the deal.
For Workplace Retirement Plans
Need professional management for your 401(k) or 403(b)? Connect your account securely through our Pontera partnership.