Financial Planning and Investment Advice
FEE-ONLY | FIDUCIARY | 100% ADVISOR-OWNED
Building Your Initial Financial (and Investment) Plan
Your financial plan starts here.
Three in-depth meetings covering your entire financial picture. Actionable recommendations to streamline your financial life, ensure you’re on a sustainable path, and build an investing plan that doesn’t rely on high-priced under performing investment managers. Throughout the process you’ll have access to a client website through RightCapital.
Financial plan fees are based on complexity, starting at $5,000.
Ongoing Financial Planning
Financial planning is an ongoing process. Once your initial plan is complete, ongoing financial planning keeps you on track with regular check-in meetings and answers to your questions any time.
We charge a fixed quarterly fee starting at $1,250 for ongoing financial planning.
Investment Management
Once a plan is in place, some clients choose to outsource the management of their investments. We build portfolios primarily with low-cost ETFs and review every prospective client’s portfolio for overlap, then will customize a transition plan to minimize switching costs including any expected tax impact.
We invest in stocks through low-cost, passive funds with the goal of capturing market returns efficiently - not outperforming by guessing the latest fads.
We own bonds in portfolios to provide stability and consistent income, and currently favor shorter duration and higher credit quality as the Treasury yield curve remains negative and credit spreads are near historic lows.
Our investment approach is completely open architecture and we primarily construct portfolios using ETFs from Vanguard, Dimenional and iShares.
Available to financial planning clients at a flat rate of 0.5% of assets under management per year (0.125% per quarter).
Your Advisor
Kyle Kvalheim, CFP®
Owner of KV Financial Advice
Former Director and Team Lead at one of the country’s fastest growing independent wealth management firms
CERTIFIED FINANCIAL PLANNER™ since 2011