Your advisor should know what your money is for.
I'm Jess Kemper, CFP®, RICP®. Most people know where they want to end up, but not whether they're on track to get there. I find the gap and help you close it, and when life changes the plan, I'm the one who calls you first.
Meets with clients anywhere by video
Most people have statements, not a plan.
When someone tells me they already have a plan, I ask to see it. Almost every time, it's an account statement.
You'll still get your statements and reports, and everything else you'd expect from an advisor. But a statement only shows what you own. Your plan shows what to do next, and why.
Most people have financial goals. What they're missing is a concrete path to reach them.
Every client I work with gets a clear plan.
Brokerage account statement
| Beginning value | $596,218.40 |
| Deposits | 6,000.00 |
| Withdrawals | -2,500.00 |
| Dividends and interest | 3,412.87 |
| Fees | -1,486.20 |
| Change in value | 9,096.51 |
| Ending value | $610,741.58 |
Holdings detail
| Description | Symbol | Quantity | Price | Market value | Cost basis | Gain/loss | % acct |
|---|---|---|---|---|---|---|---|
| US Large Cap Growth Fund | LCGX | 412.381 | 312.44 | 128,844.32 | 98,110.00 | +30,734.32 | 21.1% |
| Employer Co. common (RSU) | EMPL | 640 | 188.12 | 120,396.80 | 61,300.00 | +59,096.80 | 19.7% |
| US Large Cap Value Fund | LCVX | 1,186.204 | 61.87 | 73,390.44 | 58,020.00 | +15,370.44 | 12.0% |
| Intl Developed Markets | IDMX | 2,210.55 | 24.61 | 54,401.64 | 47,210.00 | +7,191.64 | 8.9% |
| Total Bond Market Index | TBMX | 5,240.117 | 9.83 | 51,510.35 | 54,870.00 | -3,359.65 | 8.4% |
| Small Cap Index Fund | SCIX | 395.7 | 108.35 | 42,874.09 | 39,880.00 | +2,994.09 | 7.0% |
| Dividend Growth ETF | DGRX | 688 | 52.19 | 35,906.72 | 33,410.00 | +2,496.72 | 5.9% |
| Emerging Markets Equity | EMEX | 1,402.88 | 19.04 | 26,710.84 | 29,960.00 | -3,249.16 | 4.4% |
| Short-Term Treasury Fund | STTX | 2,560.004 | 10.07 | 25,779.24 | 25,930.00 | -150.76 | 4.2% |
| Real Estate Income Fund | REIX | 870.31 | 27.66 | 24,072.77 | 26,120.00 | -2,047.23 | 3.9% |
| High Yield Bond Fund | HYBX | 1,990.45 | 7.31 | 14,550.19 | 15,210.00 | -659.81 | 2.4% |
| Money Market Fund | MMKT | 12,304.18 | 1.00 | 12,304.18 | 12,304.18 | 0.00 | 2.0% |
| Total holdings | 610,741.58 | 502,324.18 | +108,417.40 | 100% | |||
Market values are as of the statement date and may not reflect current prices. Cost basis is provided for informational purposes. Estimated yield and income are not guaranteed. See the reverse side for important information about your account.
Your plan
Prepared by Jess Kemper, CFP®, RICP®
Goals
- Retire at 62 Income of $9,500 a monthOn track
- College for two Starts in 2034Needs attention
- Mortgage paid off By age 60On track
This year's steps
- JanRaise 401(k) contributions to the annual limit
- Q1Convert part of the IRA to Roth while income is low
- AprMax out the HSA and invest it for later
- OngoingSell RSUs as they vest; keep company stock under 10%
- JunAdd $450 a month to the college accounts
- Q3Update wills, beneficiaries and powers of attorney
Next check-in with Jess: June
Who I work with.
Getting close to retirement
What you can spend and when to claim Social Security, the questions my RICP® is built around.
Executives with company stock and benefits
RSUs, options and deferred comp, planned together with everything else you own.
Women taking charge of their financial future
You want the reasons, not orders. Plenty of women would rather work with a woman advisor, and there aren't many of us.
Families building wealth early
Saving for school, a home and later, on purpose instead of by accident.
I work with people who have at least $200,000 in investable assets and want a real say in their plan.
When you know your path forward, you're free to wander.
About Jess
My passion has always been empowering people to realize and achieve their full potential. There is nothing more exciting than being a part of that journey with incredible people, and I found my calling in financial planning. I have a deep-rooted passion for learning, growing, and challenging myself and others around me.
I am originally from Memphis, TN and moved to St. Louis, MO after graduating from the University of Tennessee. I married Bryan in October 2019, and we live in Historic Soulard with our two-year-old son, Kane. I enjoy travelling, outdoor adventures and try to leave the country once a year. While in St. Louis, we thoroughly enjoy trying new restaurants and nearby wineries, campsites, hiking trails, and spending time with family and friends. If they can keep up.
Jesstine Kemper, CFP®, RICP® · Wealth Advisor, Hawthorne Capital Wealth Advisors · Check my background on BrokerCheck
What working with me looks like.
First, we talk.
Where you want to end up, and where your money is taking you now. I'll ask you to rate your financial life from 1 to 100.
Then I show you your plan.
What it takes to close the gap, in writing, and exactly what working together costs. Then you decide, with no pressure.
We put it to work.
We carry out the plan together, check in through the year, and adjust it when life changes.
- $200,000 minimum in investable assets
- All-inclusive fees, no hidden fees. See the fee schedule
- Video from anywhere, or in person in St. Louis
Talk with Jess.
Pick a time, or send a note and I'll reply within one business day. The first conversation is free.
Prefer to call? (314) 260-7525
Not ready to talk yet?
Get updates from Jess by email: what she's seeing in planning, taxes and the markets, and what it means for you.