Plan in Chalk.
Chisel in stone.
Financial Services for Retirees and Pre-Retirees who delegate what’s important to the professionals.
What
Planning:
Financial & Wealth
Estate (Will or Trust Based)
Retirement
Tax
Income
Debt (including Mortgage)
Risk & Insurance
Who
Jay Everett Kadlec
Independent, but not alone.
“I work with you to find the critical financial risks that proper financial, estate, and insurance planning could avoid, lessen, or at least bring you awareness of what could substantially impact your life. I am a teacher, first and foremost. I use real-talk-plain-speak rather than industry jargon so that you have a plan you can understand. Your story and where you’re trying to get to matter most to me. Your goals change over time, so I “plan in chalk.” Adapting and fighting for your ideal outcome, ensuring that you come first (aka being your fiduciary). I’ve served in this capacity since 2018 and will continue until at least 2055, likely being there for you, your children, and your grandchildren. With how Americans keep living longer, I may even be a resource to your great-grandchildren!
I also aim to inject some fun along the way…so be warned, some puns may make you cringe.”
Licensed Investment Advisor Representative - Financial Planner and Advisor
Licensed Insurance Agent - Life, Health, Annuity, Long Term Care, and Disability
Licensed Mortgage Loan Officer - Debt Planner
Registered Tennessee Notary
CRD# 7047900 \ NPN 18005247 \ NMLS# 2343444 \ TN Notary
Where
Knoxville, TN and Nationwide.
If you are physically nearby and prefer to meet in person, let’s do so!
For everyone else, video calls and the phone are our friends.
Why
2/3 Americans Worry More about Running Out of Money than Death
68% of Americans Don't Have an Estate Plan
Most WANT to Work With a Financial Advisor but Few DO
The Chalk Method
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![financial conversation over coffee]()
1 . Coffee Chat
We discuss your circumstances, identify and prioritize your goals, and review your current and potential course(s) of action.
Grab your coffee ☕️ and let’s chat!~30-60 minutes
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![Colorful chalk crayons in a plastic storage box, including purple, orange, pink, yellow, white, and blue chalks.]()
2. Chalk It Out
We construct your new plan(s) together, discussing potential risks, alternatives, and adjustments.
~60-90 minutes
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![Colored chalks arranged on a black surface with vibrant chalk powder spilled around in rainbow colors.]()
3. Catalyze Your Plan
We will guide you through the implementation process for your preferred path forward.
~60-90 minutes + ongoing
