Kyle Kaiser

The Millennial Couple's Financial Friend | Financial Advisor at Newroads Financial Group | Your goals, your story, our guidance.

Kyle decided to pursue a career in financial planning services after enrolling in an investments course in high school and attending a class trip to the New York Stock Exchange. Upon graduating Cum Laude with a bachelor’s degree in finance from Rowan University, Kyle immediately went to work as a Planning Analyst at a wealth planning firm, assisting financial planning clients with various account-

related inquiries and addressing their needs. Soon after graduation, Kyle obtained his Series 7 and Series 66 registrations, which are currently held through LPL Financial, as well as his Life, Health & Accident Insurance licenses, and began his career as a licensed Financial Advisor at Allied Wealth Partners. While working on teams of numerous Partners and Senior Financial Advisors, Kyle cultivated and fostered many relationships with loyal clients, guiding them in planning for and pursuing their wide-ranging financial goals. Kyle joined the team at Newroads Financial Group in March of 2025, enhancing his practice and utilizing the many resources that Newroads Financial Group has to offer. Kyle takes pride in providing clients with confidence, helping them make sense of even the most complex financial situations and topics. He strives to provide them, regardless of what stage of life they are in, with as much time as needed to help ensure a sense of freedom to put them more at ease. He looks at all aspects of their financial well-being, focusing on retirement solutions, college funding, small business strategies, employee benefits, cash flow management, risk management strategies, tax planning strategies and investment management. Kyle resides with his family in Roxbury, NJ. He is a classic rock enthusiast and an avid fan of the Indianapolis Colts.

08/27/2026

Are you in the midst of the selling a home? 🏠

Well, Section 121 of the tax code allows for a gain exclusion up to $250,000 ($500,000 if Married Filing Jointly) to taxpayers who meet certain tests, known as the ‘ownership test’ and the ‘use test’.

This means the home must have been owned and used as a principal residence for at least 2 out of the 5 years leading up to the date you sell (These do not have to be consecutive, back-to-back years, only 2 out of the last 5 years) and you cannot have excluded the gain from another home during the two-year period prior to selling your home. Both spouses need to meet the use test individually, either spouse can meet the ownership test, it does not have to be both. And there may be a partial exclusion allowed if either test is not met.

Let’s look at an example. Ross and Rachel (two names I chose at random) get married and Ross moves into the house that Rachel has been living in for the last 6 years. The home is retitled into both of their names right after Ross moves in. 12 months later, Ross gets a job offer, and they move to a new state. They realize a gain of $500,000 on the sale of the residence.

Rachel met both the ownership and use tests, so she will receive a full $250,000 exclusion.
Since Ross only met half of the use test because he was there for only 12 months, his exclusion will be cut in half to $125,000
So, their total exclusion on the $500,000 gain will be $375,000 ($250,000 for Rachel + $125,000 for Ross). They will need to pay taxes on the remaining $125,000. ☝️💡

08/24/2026

Something I hear from many couples is, "we would like to set our children up for success financially." In many cases, they are referring to college. Allow me to put some things in perspective:

If the annual cost of attendance at a New Jersey college is currently $50,000 and they increase by 4% per year, in 20 years, those annual costs would be over $100,000. If those costs continue to grow by 4% while your child is in college for 4 years and you earn 4% on your savings, you would need over $400,000 at the beginning of that 4-year period to completely fund their education.

If this is one of your priorities, think about the actionable steps you can take today to potentially give yourself a better opportunity to fund your desired amount. It could be tightening your budget, and (or) saving more.

Time could be your greatest ally. Afterall, as the saying goes, when are the two best times to plant a tree? 30 years ago, and today.

08/21/2026

Had a great conversation with Doug McGreal () this week. Doug specializes in helping small-to-mid-sized business owners become more efficient in different areas of their business in an effort to accelerate their growth.

It's evident he cares about the personal and professional prosperity of his clients. If you are a growth-minded business owner and are wondering if you could be getting more out of your business, Doug could be a valuable resource for you!

08/19/2026

Have you ever tried to cook dinner freehand and although you were happy with the end result, your process in getting there may not have been as smooth as you thought? (I am almost certain that you are much better cook than I am). 👨‍🍳

Working without a financial planner can be similar. You may be on track to get your desired result but are not going about it as quickly and efficiently and you could be. Part of our initiative is to identify potetial areas of improvement and determine if we can get to your "financial feast" quicker, using less dishes/pots/pans, and/or with making less of a mess. 🍽️

08/17/2026

Have you ever had a New Year's Resolution that lasted all of 2 weeks? Then you may know exactly what it's like to consistently track your expenses. 📊

Tracking your expenses is an eye-opening practice that can result in meaningful change. Like most other things worthwhile, it takes discipline and consistency. If excessive detail has been the reason you have failed in the past, consider simplifying your method to give yourself a greater chance of sticking with it longer. 🏃‍➡️

Even though more detail is generally better when putting this into practice, we believe less detail with more consistency is preferrable than the other way around.

08/14/2026

Is this the reason you’ve been putting off your financial organization and planning?

08/12/2026

Are you looking to buy your first home but are overwhelemed by how you might accumlate the funds needed for your down payment? Listen along for options that may be at your disposal:

08/10/2026

Let's say someone were to sell you a couch...🛋️

If that person has no background knowledge on the rest of your home, the size of your living room, the color scheme, etc., then how could they possibly know that couch is right for you? Maybe your current couch works perfectly fine as it is!

As we help you build and design your "financial house", we like to understand your goals and objectives to ensure it is constructed efficiently and comfortable for you to "live in". Doing regular "thorough financial home inspections" allows us to receive updates and make adjustments where needed.

Feel welcome to reach out to me today so we can learn more about your situation, offer more details on our process, and see if we are a good fit. 👍

07/31/2026

What does financial freedom me to you? Our team is interested to hear about your financial wishes and worries. Reach out to me today.

07/29/2026

I wasn't sure if one could effectively explain Solo 401(k)'s using 6 different music references, but I went for it...🎤🔊

Listen along to learn more about Solo 401(k)'s and feel welcome to reach out to me to discuss if it could make sense for your business! 📲

Address

3322, Route 22 West, Building 10, Suite 1003
Branchburg, NJ
08876

Website

https://www.newroadsfinancial.com/

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