Kinkelaar & Associates is a fee-only financial planning firm and Registered Investment Advisor in Illinois and Ohio. Financial planning services are provided by Mary Deshong-Kinkelaar, CFP®. through hourly or project engagements. We have no minimum income or net worth requirements. No commissions or 3rd party compensation are received that could cloud our recommendations. A fee is quoted in writing and a service agreement is signed before an engagement begins. Our focus is on providing pure professional advice in the best interest of the client.