Replace Stock Market Uncertainty with Predictable, Growing Cash Flow.
Independent, fee-only fiduciary wealth management for Kansas City pre-retirees and business owners. We build customized dividend growth portfolios designed to replace your current paycheck with a reliable, lifetime retirement salary.
Who does Three Streams Financial serve in the Kansas City metro area?
- All client assets are safely and independently housed by Charles Schwab
- Custom planning for wealth accumulators ($300k+) and pre-retirees ($500k+).
- I am a fiduciary under the Investment Advisers Act of 1940.
- Transfer wealth efficiently and reduce taxes with flexible planning.
- Maximize Social Security and Medicare benefits.
What We Do: Investment Management, Retirement Planning, Estate & Legacy, Medicare Planning
Investment and Portfolio Strategy
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Tailored portfolio design and investment advice
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Comprehensive management focused on maximizing your financial securit
Retirement And Social Security Planning
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Build reliable retirement income with smart Social Security timing and inflation protection
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Secure a prosperous financial future
Taxes and Estate Needs Planning
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Basic estate, inheritance, and legacy wealth management
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Tax reduction strategies and required minimum distributions (RMDs)
Healthcare and Protection
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Medicare, prescription drugs, and IRMAA avoidance
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Long-term care, risk management, and insurance planning
What makes Three Streams Financial different from other wealth management firms? Trust And Transparency.
- Transparency: No hidden fees, no conflicts-just honest advice you can trust.
- Comprehensive Management: All your accounts in one place-easy access to your finances, anytime, anywhere.
- Security: Your assets and privacy are protected by top-tier custodian Charles Schwab-safety is paramount.
- Experience: 25+ years in finance-offering real advice and active risk management, always in your best interest.
- Personalization: Independent advice tailored to your unique life-I've faced your challenges and am here to help.
| Advisory Service Pillar | Three Streams Financial Structure | Traditional Commission Broker |
|---|---|---|
| Fiduciary Status | Yes (100% Fee-Only) | No (Held to standard suitability rules) |
| Hidden Asset Fees | $0 (Zero wrap-fee markups) | Common (Hidden mutual fund 12b-1 fees) |
| Annual Advisory Fee | 0.50% - 0.95% of assets | Often 1.00% - 1.50%+ plus trade tickets |
| Product Incentives | None (No annuity commissions) | High incentives to push internal funds |
Table 1.1: A transparent breakdown of the 100% fee-only fiduciary pricing structure at Three Streams Financial compared to traditional commission-based broker models in Overland Park, KS.
What is the investment philosophy at Three Streams Financial?
Three Streams Financial is a 100% fee-only fiduciary that builds high-quality dividend growth portfolios designed to replace market uncertainty with predictable, growing cash flow. We don't rely on market timing or speculative bets. Our philosophy is simple: own durable, well-capitalized companies that consistently raise their dividends, hold them long-term, and let compounding turn steady income into lasting wealth — especially through the volatile years leading into and through retirement.
Why dividend growth? It turns market volatility into growing cash flow.
Dividend growth creates a rising income stream you can live on today, so you don't have to sell shares at the worst time.
Companies that raise dividends year after year signal durable earnings and disciplined management. That growing income keeps pace with inflation, funds your living expenses, and means you can hold through downturns instead of being forced to sell into them.
How we protect retirement portfolios against downside market risk.
We diversify across sectors, hold cash reserves, and favor defensive, high-quality dividend payers to soften drawdowns.
No strategy avoids every downturn, but a portfolio built on resilient balance sheets and steady cash flow historically recovers faster. Our goal is to keep your retirement plan on track through the inevitable corrections — so market swings don't force permanent changes to your lifestyle.
| Retirement Protection Goal | Traditional 60/40 Portfolio Target | Three Streams Multi-Strategy Framework |
|---|---|---|
| Inflation Protection | Fixed-income coupon yields lose real buying power over long horizons | Dividend Growth Stocks actively increasing baseline cash payouts |
| Downside Risk Mitigation | Relies entirely on broad historical bonds holding up during crisis parameters | Dedicated Buffer Funds engineered to cap structural equity drawdowns |
| True Correlation Drag | High correlation spike when stock & bond indexes crash together simultaneously | Independent Alternative Income allocations lowering net portfolio variance |
Table 1.2: Comparison of real retirement risk mitigation outcomes, illustrating how a multi-strategy approach solves the structural inflation and correlation failures of a standard 60/40 index portfolio.
Frequently Asked Questions
Free Workshop: Dividend Growth Investing — Overland Park
Recent Insights
A few honest, opinionated takes — not the generic advice you'll find everywhere else.
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Why I Think Most Kansas City Retirees Are Underinsuring for Long-Term Care
By Dan Gould | Three Streams Financial — Independent, Fee-Only Fiduciary Advisor Here’s an uncomfortable number: a private nursing home room in the Kansas City metro now runs well over $7,000 a month. That’s more than $85,000 a year — for one person, for one type of care. Yet in my experience, the majority of…
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Accumulation vs. Distribution: Shifting Your Portfolio Mindset at Age 60
By Dan Gould | Three Streams Financial — Independent, Fee-Only Fiduciary Advisor The investment strategies that built your wealth during your 40s and 50s are the exact same strategies that could jeopardize your retirement security in your 60s. That’s exactly why shifting your portfolio mindset from accumulation to distribution is one of the most important…
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Retirement Tax Strategies for Kansas City Families: Protecting Your Wealth From the Tax Drag
By Dan Gould | Three Streams Financial — Independent, Fee-Only Fiduciary Advisor Many professionals across the Kansas City metro spend decades focused entirely on the accumulation phase of wealth. They diligently max out corporate 401(k) plans, traditional IRAs, and deferred compensation packages — and they should be proud of that discipline. But arriving at retirement…
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Leaving Your Job? A Step-By-Step Guide to Rolling Over Your 401(k) Without Triggering Taxes or Penalties
By Dan Gould | Three Streams Financial — Independent, Fee-Only Fiduciary Advisor A 401(k) rollover to an IRA is one of the most common — and most commonly mishandled — moves in the entire workplace-to-retirement transition. Done right, it’s a simple, tax-free transfer. Done wrong, it can trigger mandatory withholding, a surprise tax bill, and…
Founder | Portfolio Manager
Daniel Gould
I am an independent investment adviser representative (IAR) based in Overland Park, KS, serving individuals, families, professionals, and small business owners nationwide. With over 25 years of experience in the financial markets, I apply institutional-grade trading and portfolio management strategies to help clients achieve their financial goals.
I am a fiduciary under the Investment Advisers Act of 1940. This means I am held to a strict fiduciary duty, which has two components: a duty of care and a duty of loyalty.
- The duty of care requires me to provide impartial and objective advice in my client's best interests, based on their specific circumstances and investment objectives.
- The duty of loyalty component requires me not to place my interests ahead of my clients and to provide complete and fair disclosure of all material facts related to the advisory relationship, including fees and conflicts of interest.
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