Lord and Kees Financial Systems Inc. aka Kanwal Edwin and Yolanda Edwin-Rios have been a Godsend to me this year. I am a recently retired public school teacher, and as I was doing my 2018 taxes, I had a question regarding money that I had withdrawn from my school 401k to help pay for my health insurance premium. I didn't have a financial planner, and Yolanda was a woman I just recently met in a women's group from my church, so I thought I'd ask her about it. I figured she might know the answer, so it was worth a shot! Well, the Lord was in it (no pun intended)! Yolanda asked if she could just come over to my house and explain what I would have to do for my taxes. The next day she and her husband came over and answered my tax question, and then we went over all of my options financially for my retirement. By the time they left, we had developed a plan for safeguarding my retirement money and options for providing long term health insurance. In the following weeks, Yolanda went out of her way to procure the proper paperwork for the transactions to occur, as my investment companies at the time were making it very difficult to move any of my assets from their companies. She made countless 3-way calls together with me and the companies, as they continually gave us the run-around and made us jump through their "procedural hoops." She visited banks with me to secure proper notarizations of signatures for the paperwork. Yolanda also made personal calls and a trip to my doctor's office to pick up my medical records (with my permission) while I was out of town for an extended period of time, so that my health insurance could be instituted. I cannot say enough about Yolanda and Kanwal's personal commitment to their clients. They are sincere, honest people who believe that they serve God through their work. Their caring and energetic nature makes working with them a delight. You will feel comfortable working with them for your financial needs.
Dawn Heckman: Retired Public School Teacher
Thank you very much for all the work you've done for both Jay and I, setting up several accounts for our business. It has been a lot of work and a lot of signing papers, but we're in a very good position thanks to your help! You both had invested a lot of time to understand our business, our needs, and our individual circumstances in order to find the best solutions for us. I feel confident that we weren't being sold just an "off the shelf" product, so to speak! I would say you definitely go above and beyond for your clients. The kind of service you provided us is very rare today!
Rob Woroniak: Vice President Operations | Salter's Fireplace, Patio, & Grill
I can't believe that eight years have passed since we sat down to work out a Financial Plan for our pending retirement. At that time, Mary and I were looking forward to the lifestyle we had envisioned since our marriage in 1971. The only thing standing in our way was debt incurred from our children's education, medical expenses, and the upkeep of our home. In 2008, when the bottom fell out of the Stock Market and many of my friends lost everything, our money was safe, and we could take a free withdrawal of the gains each year if we needed it. That in itself would have made Lord & Kees our hero, but you went on to advise us about the highly rated Long Term Care policy offered by Allianz. That took a major worry from both Mary and I: burdening our children if either of us fell seriously ill and needed Long Term Care. I could easily write a book about the many ways you have helped us, but I will just say that you are on our Gratitude List and we hope God will lead others to you as He did us.
Joe and Mary Zavada: Retired from Aerospace Industry
Working with Yolanda and Kanwal Edwin has been a life saver. After my father passed away last year, I had many new financial responsibilities that I was not equipped to juggle on my own. Mainly, I was struggling with having a financial institution release his IRA funds. The arduous process was greatly simplified with their assistance. They were able to explain and assist in processes that financial institutions require, and that most people would not be familiar with. Had it not been for their assistance, I’m sure I would still be struggling to get what was needed from my late father's accounts. Additionally, Yolanda and Kanwal have set me up with a Stretch IRA and Equity Index Annuity that will ensure I have a comfortable future. These accounts have a much higher interest rate than traditional bank accounts and are very low risk, so it is guaranteed that I will not lose money. They have a clear understanding of what my future needs will be and ensure I have accounts that have multiple safe-guards in place, so if anything does happen, my family and I will be taken care of. It has been refreshing to work with professionals who truly care for their clients' needs and well-being. Both Yolanda and Kanwal are a rare combination of intelligence, thoughtfulness, and extensive experience, making them the ideal people to work with. I would not hesitate to recommend Lord and Kees Financial Systems Inc. for anyone in need of financial assistance.
Valerie Fulton: Quality Coach at Iron Mountain
After getting laid off from my job of 21 years, I had so much to do and think about. However, one thing that I didn’t have to stress over was what to do with my 401(k). Terry Howard and Yolanda Edwin-Rios helped me with moving my 401(k) over to an IRA. They were so patient, accommodating, and approachable. I asked tons of questions (and some I’m sure I asked more than once) and all were answered. They really wanted me to understand everything to my comfort level, and I felt heard and understood. I’m confident that I’ve wisely invested in my future and know that with whatever I need or whatever questions I continue to ask, I will receive their full attention. Thank you Terry & Yolanda!
Jacquelyn Paris: Chiropractic Receptionist
Pastor Kanwal and Yolanda Edwin attend the same church as us, and we found ourselves drawn to their positive, friendly, and loving nature. Knowing my husband and I are a young couple, they offered to meet with us free of charge. When my husband and I met this power couple, we had barely any savings, no life insurance, no investments, and no hope of ever owning a house. They gave us the wisdom to see how to change our mindset, investments, financial choices, money management, and most importantly gave us hope and encouraged our spiritual walk! Within a few visits, we had life insurance, a retirement plan, a pre-approved mortgage, and a large savings! They have impacted our lives, our family, and our friends by providing all of us with life changing knowledge and wisdom with our finances, career development, life insurance, retirement plans, mortgage applications, long-term money management, and spiritual wisdom. We consider them our “Spiritual Parents” as they have lovingly and freely invested their personal time to ensure our success. They have also assisted us in our current house search. Yolanda has provided vital feedback as she visits prospective houses with us, as she has decades of experience in construction, remodeling, and flipping houses. Pastor Kanwal and Yolanda treat every client like family and will go above and beyond your highest expectations. One of our family members did not have transportation and wanted to meet with the Edwins, so they drove to their house without question. Pastor Kanwal and Yolanda Edwin are the “one stop shop” and have been a game changer for my husband I. Every minute spent with them is worth a lifetime and is an investment that will improve your finances, spiritual growth and physical health guaranteed.
Terry and Tyler Howard: Young Married Couple
