K & M Insurance Group LLC

05/07/2026

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02/26/2026

Do You Need a Universal Guardian Trust and Guardian Guide?

Do you have a loved one with special needs or a disability requiring your care? If so, what do you have in place for their future upon your death?

Without a Universal Guardian Trust (UGT), passing assets to your loved one without one in place could disqualify them from current or future government benefits. The asset threshold in most areas of the country is only $2,000. Anything passed to your loved one above this amount upon your death could impact their ability to continue receiving current or future government benefits if a UGT is not in place. I don’t think you want to do that for your loved one, do you?

We work with the ITS group ( https://www.integratedtrustsystems.com/LANDING/ ) to provide you with a Universal Guardian Trust and comprehensive Guardian Guide, which comes with the UGT. The Guardian Guide booklet allows you to leave behind instructions for your loved one's care when you die.

Check out this short video explanation of the Universal Guardian Trust and Guardian Guide by our ITS President and General Counsel, Mo Dadkhah: https://vimeo.com/1125694951/875ccdff33?share=copy

Kerry & Mike Williams with K & M Financial Partners are here to help you with the UGT and other estate planning needs. We can set-up a time to meet in person at our Chardon OH offices or virtually with you, wherever you are in the U.S. Our office # is 440-285-4927 or email Kerry at [email protected]. https://estates.kandminsurancegroup.com/

02/18/2026

Is Your Estate Properly Protected from Probate Court and Public Exposure?

** A Will by itself will NOT protect you from Probate Court and Public Exposure!

** Do you have current Power of Attorney's (Financial & Medical) and Medical Directives in place?

** Can those documents be accessed electronically ANYWHERE IN THE WORLD when medically needed?

** Do you have a Trust that is properly "funded" to avoid Probate Court and Public Exposure? ("Funding" is how you "assign your assets" to the Trust)

** The asset threshold needing a Trust varies by state from $10K to over $200K - what is your state's asset threshold? It's currently $35K in Ohio!

We partner with a National Team led by Attorney's that been in business since 1989, offering a comprehensive eTrust program for ALL States and at a very competitive price. The most complete online package available today, allowing 24X7 access to changes and updates, including online access to legal counsel, all at a flat rate!

Let us review your current situation and needs to determine if this eTrust program is a good fit for you and your estate needs.

Estate planning is the process of arranging for the management and distribution of your assets after death or incapacity to ensure your wishes are carried out and your loved ones are protected.

10/21/2025

Will Your Estate Avoid Probate Court, It’s Costs & Delays?

If you live in Ohio and have more than $35K in total assets, if not properly protected, you WILL GO THRU PROBATE COURT! (Probate threshold varies by state – do you know what your state threshold is?)

- How do I avoid Probate Court?
- What’s the difference between a Will and a Living Trust?
- If you ever are incapacitated, do you have updated Power of Attorney’s in place for your healthcare treatment and finances? (Even if you are married)
- If you have a Trust, are ALL your assets "assigned" to the Trust to avoid Probate?

4 Questions: https://vimeo.com/1123701933/0b2fcfa5c8

Click to learn more and schedule an appointment: https://estates.kandminsurancegroup.com/

Estate planning is the process of arranging for the management and distribution of your assets after death or incapacity to ensure your wishes are carried out and your loved ones are protected.

03/12/2025

We are honored to be invited back by Cleveland Heights Council Vice President Davida Russell to offer this presentation to the community on Wednesday, March 19th starting at 6:30pm. This will be held in the small auditorium at Cleveland Heights High School located at 13263 Cedar Rd, Cleveland Heights, OH 44118.

Estate Planning - Protecting You & Your Family and Preparing for Retirement:
- Preparing and designing your Estate Plan
- What's included in your estate
- What is probate and how it can be avoided
- Reasons you need an estate plan
- Wills vs. Trusts
- What is an Estate Plan
- Advantages of a properly implemented Estate Plan
- Life & health Insurance to properly protect you, your family, your business, and your estate
- Understanding life insurance, how it's used, and options
- Supplemental health programs - options available?
- Medicare program overview
- Retirement protection and savings

Educational material presented by Kerry & Mike Williams of K & M
Financial Partners based in Chardon, OH

DM us if you have any immediate questions.

We look forward to sharing this important information with you and for you joining us!

Kerry & Mike Williams
K & M Financial Partners
Chardon, OH

01/31/2025

Part-Time Administrative Support Position Available

Hi Friends & Neighbors, we hope this finds you each doing well and having a great start to 2025!

We are still in need and reaching out to see if you can recommend anyone or you personally are able to help us fill 1-2 additional part-time positions for our Chardon office. The need depends on the availability of the person(s) hired.

We are a national broker financial services agency that specializes in life, health & Medicare Insurance, estate planning & protection, retirement savings, and wealth management. We have a national team of independent licensed agents, along with a large book of clients to help manage. We have a fast-growing business, hitting record volumes each month!

We are looking to hire up to two (2) additional Administrative Assistants to support the office Monday thru Friday, working on average 5-6 hrs per day. Our goal is to have at least one person in our office each day of the week, but we are flexible on the hours and # of days worked each week, covering Monday thru Friday. This could work great for a parent with children in school where they would desire to be home for when the children depart for school and arrive home.

We are looking for:
• Those with a happy and positive personality, along with a caring heart to help people.
• An attention to detail is important with the paperwork and reports we need help managing.
• Great phone skills for interfacing with our clients and our carriers on pending and current business needs for our large book of clients.
• Good computer skills are important with experience working business technology tools like emails, websites, spreadsheets, and ways to better communicate with clients and team members.
• Occasional assistance when holding Estate Planning Seminars and when hosting regional training meetings.

Our office is located in the Village Station office complex across from Bass Lake Inn on South St. We share an entrance and floor with 2 CPA's. It's a great and quiet work environment!

It’s not common for our clients to come into the office, but it has been more likely as we do more Estate Planning. Dress is therefore sharp casual.

We will have a competitive hourly pay based on experience and skills offered.

Interested individuals should obtain and submit a fully completed application for consideration. References and ability to pass a background check is important due to access to client data.

We welcome any recommendations and referrals as we find that is the best way to hire awesome staff. Please call with questions or to share your thoughts.

Thanks - we appreciate your support!

Mike & Kerry Williams
Brokers & General Managers
K & M Insurance Group LLC, DBA K & M Financial Partners
Affiliated with the Alliance Integrity Group
P.O. Box 523, 401 South St., Unit 4-B, Chardon, OH 44024
Office Phone: (440) 285-4927
e-mails: [email protected] or [email protected]
Giving You Trust and Security:

View our products to see which one will fit your needs and protect your family. Get a quote from one of our licensed agents.

01/31/2025

Wills & Living Trusts

An Estate Plan is vital for any individual, couple, or family that owns a home and has assets. Would you like to ensure that your Estate Plan is in good order by reviewing the methods families use to avoid the delays and legal fees of Probate Court? Want to learn the various methods and best practices to protect your family from unnecessary costs and wasted time in Probate?

We can help you learn and understand:
• The advantages and disadvantages of Wills and Living Trusts
• How Powers of Attorney’s work and don’t work (some may not be valid if you are disabled or pass away)
• Why putting property in your children’s names may be a mistake
• Common missteps by families raising children with challenges, disabilities, or special needs
• Protecting your home from being swallowed up by nursing home care
• Protecting your heirs inheritance from lawsuits, divorce, and spend-thrifts
• Best practices for naming retirement accounts and Life Insurance beneficiaries
• How Probate Court works and how to avoid it for your family

We want to educate you and help you & your family avoid these most common and costly mistakes.

Set up an appointment for us to provide you with this information, then review you & your families Estate Plan situation, and discuss ways we can help improve your situation and plans.

Call our office at 440-285-4927 or DM us to set up an appointment with us. We can meet in person if local to our area, or virtually if not. We welcome the opportunity to help you and your family!

Kerry & Mike Williams
Principal & Broker Agents
K & M Insurance Group LLC, DBA K & M Financial Partners
NPN # 15561144 / 510181
P.O. Box 523, Chardon, OH 44024

11/04/2024

Hi friends and our awesome business clients, we wanted to let you know that we are again holding Estate Planning Seminars on Tuesday, Nov 12th at 6pm ET and Thursday, Nov 14th at both 1pm and 6pm ET.

These free educational seminars are intended to provide you with some important information on how best to protect you, your family, and your legacy. We cover:
- What makes up a family estate plan, like your wills and trusts, and other important documents.
- How to best approach the estate plan so you can avoid probate court, its costs and delays.
- Protecting your heirs inheritance from lawsuits, divorce, and spend-thrifts.
- Why putting property in your children's names may be a mistake.
- Best practices for naming retirement accounts and life insurance beneficiaries.
You will likely hear things that you have never heard before in easy to understand terms!

Estate Planning Educational Seminar
Offered by Kerry & Mike Williams, K & M Financial Partners

Seminar Dates and Times: Tuesday, Nov 12th at 6pm ET; Thurs, Nov 14th at 1pm ET; and Thur, Nov 14th at 6pm ET

Seminar Location: Willoughby Hills Community Center & Library, O'Ryan Room, 35400 Chardon Rd, Willoughby Hills, OH 44094 (across from Willoughby Hills Fire Dept on Rt 6, just east of Rt 91)

Registration Link: https://rsvpconnect.com/111224_km-financial-sm/...

Please plan to arrive 10 mins early to your chosen seminar time to get registered as we expect a good crowd at each seminar.

We encourage you to share the Estate Planning Seminar plans with family, friends, and neighbors, as this will be a very informative free educational event for everyone!

We look forward to seeing and meeting you at one of our upcoming educational seminars!

Kerry & Mike

Kerry & Michael Williams
Financial Services Brokers & General Managers
K & M Financial Partners
Offices in Chardon and Mentor, Ohio
Mailing address: P.O. Box 523, Chardon, OH 44024
Office Phone: (440) 285-4927
e-mails: [email protected] or [email protected]

02/20/2023

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04/09/2021

Hi, check this out and let's talk!

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