Our philosophy is simple. We are here to help safeguard what is most important in your life. Preservation 1st. Growth 2nd. Value Always.
We don't stock pick. We don't push products or services. We don't bet the farm. We strive to achieve growth over the long term with as little risk and volatility as possible. We recommend customized solutions that work for your individual needs. And, we do it with a conservative approach that allows our clients to have increased confidence knowing their financial future is in good hands.
A Value-Added Structure
We understand that you’ve worked hard to earn what you have and you want to keep it. That’s why we work diligently to keep our cost structure extremely competitive with the market, while employing the same expertise, technology tools and back office support as the best of them.
A Values-Driven Structure
Our business is all about trust and proven results. We value honesty and integrity above all things and we demonstrate that every day in the careful, disciplined way we manage our client's fiscal growth and security.
Creating Value for our Clients
Over our many years in business, we have helped hundreds of individual investors, business professionals, small to middle sized business owners and employees, organizations and retirees preserve and grow the value of their portfolios. Allow us to show you what a more personal managed approach to securing your financial future could mean to you.
Services
At KHS we avoid the overhead and cost structure of most other firms, which means that our clients don't pay for what they don't need. Our clients include professionals, families, retirees, business owners, and corporate leaders.
We custom tailor our plans from a suite of top rated financial instruments and flexible insurance solutions including:
Insurance
We have a range of products geared to protect your loved ones and estates while preserving your wealth or supplementing your retirement income. These include term life insurance, universal/whole life insurance, variable universal life insurance/indexed life and 2nd to die (survivorship) policies which help provide liquidity for estate planning.
Investment
Our investment strategies and financial plans are geared towards meeting our investors' unique personal needs.
Corporate
In today's business environment, our products help business owners and employees prepare and plan for a variety of situations and contingencies. We customize packages around our client's needs and to provide; cash management, 401k/403b/qualified plans, buy sell and key man agreements,executive bonus and tax saving programs.
Partners
KHS, along with Woodbury Financial Services, work diligently to recommend the most established and respected names in the financial service industry.
For individual investors, partners include: Pershing, PIMCO, American Funds and iShares.
For 401K/Qualified Plans, our partners include: Trans America, Fidelity and Mass Mutual.
For Insurance Service, our partners include: Lincoln Financial, Met Life and John Hancock.
Our Team
Learn more about about KHS's amazing team of professionals.
Ryan Koszut spent the earlier part of his career with industry leaders Mutual of New York (MONY) and AXA Advisors. Ryan leverages his experience and knowledge of the changing markets to create increased confidence for clients by preserving the families, estates and businesses and future.
When Ryan was just 11 years old, his father helped instill a strong work ethic and wake him up at 5:30 am for his job caddying at Midlothian. This discipline continues to drive Ryan today to do what is right for clients and focus on building relationships based upon trust and true friendship.
Ryan is very proud for having building a business that has positive impact on so many families and businesses. He also enjoys spending time with his wife Stacey and their two sons, Charlie and Sam, and looks forward to them coming to work with him some day at KHS.
Million Dollar Round table 11 times
Court of the table 5 times
Top of the Table 4 times
#1 Life Insurance Producer at Woodbury in 2014
I had a close friend that went through a pretty rough divorce who thought he could not survive financially. When we reviewed his situation we actually never talked about any specific products, but ended up with a realistic plan for him and a way to execute it that helped him realize how much more positive his financial future really was. I'm proud that he now has been living a great life in retirement for nearly ten years.
Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.
Qualifying membership in the MDRT is based on minimum commission and gross business generated within a year. Each MDRT status designation is granted for one year only. All members must apply every year to continue their affiliation with the Million Dollar Round Table.
Ryan Koszut spent the earlier part of his career with industry leaders Mutual of New York (MONY) and AXA Advisors. Ryan leverages his experience and knowledge of the changing markets to create increased confidence for clients by preserving the families, estates and businesses and future.
When Ryan was just 11 years old, his father helped instill a strong work ethic and wake him up at 5:30 am for his job caddying at Midlothian. This discipline continues to drive Ryan today to do what is right for clients and focus on building relationships based upon trust and true friendship.
Ryan is very proud for having building a business that has positive impact on so many families and businesses. He also enjoys spending time with his wife Stacey and their two sons, Charlie and Sam, and looks forward to them coming to work with him some day at KHS.
Million Dollar Round table 11 times
Court of the table 5 times
Top of the Table 4 times
#1 Life Insurance Producer at Woodbury in 2014
I had a close friend that went through a pretty rough divorce who thought he could not survive financially. When we reviewed his situation we actually never talked about any specific products, but ended up with a realistic plan for him and a way to execute it that helped him realize how much more positive his financial future really was. I'm proud that he now has been living a great life in retirement for nearly ten years.
Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.
Qualifying membership in the MDRT is based on minimum commission and gross business generated within a year. Each MDRT status designation is granted for one year only. All members must apply every year to continue their affiliation with the Million Dollar Round Table.
Brian has worked in the capital markets for over 25 years, including running a successful futures group in a stress environment at The Chicago Board of Trade. As a business owner and financial client himself for years, Brian strives to create increased confidence for clients. By managing risk and focusing on performance, Brian focuses on helping secure client's financial futures while minimizing the stress that can come from worries about family, education and retirement. Brian treats each client investment as it were his own, and takes the time to get to know each client's individual goals and needs.
Brian has was instilled with strong family values and responsibility through the lessons of his family of Irish Immigrants. His father, Bob, grew up with very limited means but worked diligently during the day and at law school at night to provide opportunities they never had. Brian learned to always tell the truth, follow through and never take anything for granted. Brian married his best friend Roberta in 2002 and they have two sons, Enzo and Seve who currently attend the University of Illinois.
Early in my career, I sat with an elderly couple and expected a routine discussion. As our meeting went on, I noticed they were both crying. I asked them what was wrong, and I will never forget their response. "How long can we live before our money is gone?" I knew in that moment that this is for real. The monies we are dealing with are people's hard earned dollars that they have saved for a lifetime, and I'm proud that they entrust me to take care of them.
Jim has been in the financial service and investment industry for over 25 years. Before entering private advisory, Jim was a Relationship Manager at Credit Suisse Private Bank and an Investment Representative at Lehman Brothers Private Investment Management in Chicago. Jim focuses on investment planning, estate and insurance planning, college funding, wealth transfer and preservation and retirement needs.
Jim creates a path of financial health and stability for clients focused on preserving their success, business and families. Knowing that true happiness is inspired by great relationships, Jim pours his vast experiences and knowledge to build the financial preservation that serves to foster happiness in business and family.
Bachelor of Arts from the University of Notre Dame
Series 7 and Series 66 registered
Certified Estate Specialist (CES) and a Certified Income Specialist (CIS) by the Institute of Business and Finance
Advisory Board and Investment Committee at Misericordia Home
"Make your first and last motivation to help others...if you are always thinking of others, you'll never have time to feel sorry for yourself." - Brian Shannon (Jim's Father)
Connor began his career trading Eurodollars at The Chicago Board of Trade prior to joining KHS in 2012. As an integrated part of KHS client relations, Connor is always looking for new ways to support client's often complex needs through operational efficiencies. Connor cultivates strong relationships and has built proficiencies that span client needs from research, vendor relations and maintaining account strategies and trades on an ongoing basis.
When not spending time with his many siblings and large Irish Catholic Family in Beverly or Michigan, Connor enjoys his friends and the vibrant city life around his home in the West Loop.
"Always work tirelessly in and out of the home and you'll be successful" - Peter Mulchrone (Connor's Father)
Eric's 10 years as a licensed agent in the financial services industry was born from the discipline, integrity and accountability learned as decorated combat veteran in the US Army, achieving the rank of Staff Sergeant. The fortitude and commitment to make sure an objective is attained under any circumstances drives Eric to ensure the most efficient and effective financial strategies for each client.
Eric's objective oriented skills help clients rest knowing that they are assisted by someone responsible who will get the job done. From family investments, savings and retirement plans, clients and friends rest easy knowing they have an agent and broker they can trust.
Eric continues to serve and give back to the community by volunteering as a peer mentor in the Wounded Warrior Project and remembering those who have made the ultimate sacrifice for their country. He is honored to serve with his extended family of battles buddies and grateful for the values, work ethic and moral compass they have instilled in him.
Dave is a financial services professional at KHS with over 40 years in various financial services industries. Dave oversees individual portfolios, separately managed accounts, and mutual fund investments for his clients. He began his career in commercial lending at Harris Trust in Chicago before moving into private banking at Citibank. Dave took on broker and investment advisor roles at Conning and Company and A. G. Edwards and Sons before joining Woodbury in 2008.
He has worked with small corporate and professional organizations to develop trust and investment management business. Dave earned his MBA with an emphasis in Finance and Accounting at Bowling Green State University and graduated from the Amos Tuck Graduate School of Credit and Financial Management in Hanover, New Hampshire. Dave served in the US Army in the Adjutant General Corps. He is a Series 7, 63 and 66 registered and has an Insurance License for Life, Accident/Health and Variable Contracts.
Dave lives in Hinsdale, IL with his wife of over 50 years, Kitty. Their two children and six grandchildren are also in the area. When not enjoying his grandchildren, Dave likes to golf and boat. He has volunteered in numerous organizations including Washington Square retirement home and The Community House in Hinsdale.
Our newest addition to our KHS team is Jaime Frost. She is a 2017 graduate from Trine University with a Bachelor’s degree in Business and Marketing. Jaime started off her career path in the golf industry quickly learning the ins and outs of creating a quality client experience. Although she is new to the financial service and investment industry, she is very eager to learn and develop into a quality financial advisor who focuses on meeting client’s individual needs while helping them secure their financial futures.
When not focusing her time on building client relationships, Jaime likes to spend time with her family and friends playing golf or enjoying the many things to do around the Chicago area.
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In addition to setting aside pre-tax income to pay current and future medical expenses, an HSA could play an important role in your long-term retirement strategy.
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