Ryan Kaysen, CFP

11/17/2025

🎄 Join Our Annual Holiday Toy Drive! 🎄
Each year, I organize a Christmas toy drive where friends and colleagues donate funds so I can purchase toys for underprivileged children in the Greater Philadelphia area.

All donations go directly to toys, which are distributed through the Salvation Army. This helps hundreds of families experience the magic and joy of the holidays.

With the kindness of our “elves” over the last 8 years, we’ve made a huge difference for hundreds of kids. Last year, we raised $3,165 and donated 104 toys, bringing smiles and hope to children who need it most.

This year, we’re aiming even higher with a goal of $3,200!

So far, we’ve raised $980 from 14 elves, and we have 13 days left until our November 30th donation deadline.

Every dollar counts and every new elf means more joy for kids this Christmas.

How you can help:
✨ Donate any amount, big or small!
✨ Share this post or tag friends who might want to join in.
✨ Invite others to become an elf and spread the word!

Let’s make this holiday season unforgettable for children and families in need.

If you’d like to donate or learn more, please message me or leave a comment. Thank you for helping us build something magical, year after year!

10/03/2025

How much does an estate plan really cost?
It depends, but that might not be the question you should be asking.

What is the cost of NOT having an estate plan?
Without an estate plan your family will pay the price with financial chaos, high legal fees, and the possibility of family, business, and heirs facing unnecessary
hardship.

Make the smart investment. An estate plan is the ultimate tool for securing your family’s future and business legacy. Don’t wait for a crisis.

Failing to plan is a plan to fail.

Contact me if you need help finding a qualified attorney.

10/01/2025

Want to help your kids or grandkids pay for college, but worried about the future of education? Locking your savings up in a 529 plan isn't the only option.

Did you know?
Student assets can reduce their aid eligibility by 20%, but parents’ assets only by 5.64%.

Consider saving in your own account, paying tuition directly, or setting up a trust for true flexibility and minimal impact on aid eligibility.

This can even help if your kids/grandkids decide to start a business or buy a home instead.

Explore all your options and keep your family’s legacy strong. Let me introduce you to an estate attorney and make your gift count!

09/29/2025

Superman has died many times in the comics and every time, the world is left unprotected.

If even Superman isn’t invincible, why do we believe we are?

When you don’t have an estate plan, your family is left vulnerable to life’s challenges. Now is the time to protect the people who matter most.

Contact me today and let’s create a plan that secures your family’s future.

09/26/2025

Estate planning protects what matters most.
❤ Family
❤ Legacy
❤ Your business

Yet most people put it on the backburner as if it couldn't devastate your legacy. Only 24% of Americans have a will!!!!

In my newest video, I break down:
📌The essential documents
📌The cost of an estate plan
📌Common mistakes
📌Estate Planning Tax Saving Strategies
📌Real strategies to help pre-retirees and business owners get it right in 2025

Ready to organize your future? Download my free Financial Plan Organizer and ensure your family never has to guess about your wishes.
Find the request link in the video description!

Watch now and take control.
https://youtu.be/hWyif9TZOfo

Are you a pre-retiree, legacy planner, or small business owner wondering where to start with estate planning? Topics covered: ✅ Why so many people overlook e...

09/19/2025

🔔New Video: How annuities fit in a financial plan!

This weeks video breaks down:
✅Fixed, indexed, and variable annuities,
✅ When a 1035 exchange makes sense, and
✅ Why MYGAs can be a practical CD alternative for predictable income.

It’s often I meet many new clients in need of an annuity rescue.

They hold legacy annuities with ~3% fees and little understanding of their benefits or penalty structures.

A fee-based approach can simplify costs and reduce lockups when aligned to the plan.

If retirement is on the horizon, or a business exit is coming, clarity beats anxiety.

Request my FREE Financial Plan Organizer to get organized or connect to coordinate a plan.

Educational only; consider professional advice before acting.

https://youtu.be/rNnvTkCw4w0

What if the biggest risk in retirement isn’t market volatility but the fear of unpredictable income? In this video, Ryan Kaysen, CFP®, explains where annuiti...

09/12/2025

What if the biggest threat to your retirement isn't market volatility, but the one risk you haven't properly insured against?

I recently worked with a client who experienced a medical emergency abroad. Facing uncertain odds, he told me the one thing that gave him peace was knowing his family would be financially protected no matter what happened thanks to his insurance coverage.

In this week's video, I break down:
✅ Why insurance is different from every other investment
✅ Essential coverage types pre-retirees often overlook
✅ The "negative legacy" risk that could tear apart a family
✅ Special insurance considerations for business owners

The average long-term care cost can exceed $100,000 annually. Without proper planning, this creates a negative legacy where families must reach into their own pockets to provide care.

Ready to organize your insurance strategy?

Grab our FREE Financial Plan Organizer! It includes a comprehensive insurance section to help you document and review all coverage.
https://youtu.be/G-ss__RxevQ

What if the biggest threat to your retirement isn't market crashes or inflation, but the one risk you haven't properly insured against? In this video, I shar...

09/05/2025

🎯 Planning for retirement? Don't forget about your debt.

Carrying balances into retirement isn't just about monthly payments It's about how debt forces you to withdraw more from your portfolio during market downturns.

In my latest video, I break down:
$ How debt changes retirement risk
$ When to pay off debt vs. keep it
$ Special tips for business owners
$ Which debts can impact your family

The bottom line: Get intentional about debt before you retire. Your future self will thank you.

📋 Get organized with my free Financial Plan Organizer. Find the link on my page!

It helps pre-retirees and business owners document their complete financial picture so they can make confident decisions about debt, retirement, and legacy planning.

If retirement is a distribution game, debt changes the rules entirely. Your monthly expenses don't pause when markets crash or healthcare costs spike but deb...

09/03/2025

Variable annuities sold as “safe” often carry layered fees (i.e mortality and expense charges, admin fees, fund expenses, rider costs, and potential surrender charges) that can quietly erode retirement income over time.

Learn how those costs stack up, why many contracts issued around the 2008 crisis aged poorly, and how a tax-free 1035 exchange can move value into lower-cost, commission-free annuities when appropriate.



Disclaimer:
This video is educational and not individualized tax, legal, or investment advice; always review features, fees, and surrender charges before exchanging an annuity.
A 1035 exchange can be tax‑free when executed correctly, but new contract fees, surrender charges, and benefits may differ and should be evaluated carefully.

09/02/2025

🚨 Nearly 1 in 4 Americans are one unexpected expense away from financial disaster.

Whether you're 25 or 65, making $50K or $500K – life doesn't care about your age or income when it throws you a curveball.

The reality: Only 40% of Americans can cover 3+ months of unexpected expenses

The peace of mind: Sleep better knowing you won't panic over a broken AC or surprise medical bill

The opportunity: Short-term treasuries are paying 4%+ right now (actually keeping pace with inflation)

The bottom line: You wouldn't build a house starting with the roof, so why build your financial future without a solid foundation?

Missing out on potential market gains?
Sure, that's possible. But you can choose:

Take big risks for potential gains

OR

Know that you're ok(financially) when the roof caves in.

Start small, build that safety net, THEN chase those market returns. Your future self will thank you.

08/29/2025

Think you’re diversified?
Many investors own funds with the same top holdings, leaving them exposed.

In my new video, I show you how to track your portfolio, spot overlap, and rebalance the smart way.

Grab my Financial Plan Organizer for free with the link in the video and know for sure that you're diversified!

📺 Watch now & download your organizer:
https://youtu.be/OVL7z6yExrw

Are your investments truly diversified, or are you unknowingly duplicating your risk? In this video, I walk through how to track your portfolio the right way...

08/22/2025

Do you know where all your assets are, how they’re titled, and who the beneficiaries are?

Most pre-retirees don’t and that blind spot can cost you thousands in taxes, create estate planning mistakes, and leave your family guessing in an emergency.

In my new video, I share five reasons you should be tracking your assets now and how a free tool I created can help.

🎥 Watch here:
https://youtu.be/3Dy4G_x3h6Y

📥 Download the free organizer:
https://if-money.com/financial-plan-organizer