Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Publication of Periodicals or Newsletters
- Educational Seminars & Workshops
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
- Corporations or Other Businesses Not Listed Above
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
- Other
Kahler Financial Group, Inc. Overview
Kahler Financial Group, Inc. is an investment advisory firm that was established in 2003 in Rapid City, SD. It operates under a fee-only arrangement, which means that clients pay for investment advice only and not based on the investments made. The firm specializes in investment advice, offering financial planning and portfolio management services for individuals and small businesses. One unique aspect of Kahler Financial Group is that it also publishes periodicals and newsletters for its clients. This allows clients to stay up-to-date on market trends, and provides insights into current events that could impact their investments. Additionally, the firm offers educational seminars and workshops to help clients gain a better understanding of investment strategies and the market in general. In addition to investment advice, Kahler Financial Group also offers other services, including financial coaching for individuals and groups. They also provide consultation services for clients who need customized investment solutions. The founder of the firm, Rick Kahler, is also a columnist and author, providing further insight into financial planning and investments. Overall, Kahler Financial Group is a comprehensive investment advisory firm that provides a wide range of services to its clients.
KAHLER FINANCIAL GROUP, INC. serves a diverse group of clients with unique financial goals and needs. The firm provides financial planning services for individuals, including those seeking advice on retirement planning, estate planning, and debt management. High net worth individuals also benefit from KAHLER's expertise, as the firm offers specialized services for managing complex assets and investments. Charitable organizations seeking help with endowments, planned giving, and fundraising also turn to KAHLER for guidance. Additionally, KAHLER provides financial planning services for a variety of corporation types not listed. KAHLER FINANCIAL GROUP, INC. offers a variety of fee structures to suit the needs of their clients. For those seeking investment management services, KAHLER charges a percentage of Assets Under Management (AUM). Hourly fees are also available for clients seeking financial planning help on a project-by-project basis. Fixed fees are another option, which provide clients with pricing certainty for services such as estate planning or retirement management. The firm also offers a range of other types of fees. The fee structures available through KAHLER FINANCIAL GROUP, INC. are designed to ensure transparency and flexibility, providing clients with options to suit their unique financial planning needs.
Typical Clients, Fee Structures & Investment Minimum
According to KAHLER FINANCIAL GROUP, INC.'s Part 2 Brochure, there is an investment minimum requirement that varies depending on the type of investment account. For managed IRA and investment accounts, the minimum initial account balance is $100,000. For managed employer-sponsored retirement plan accounts, the minimum initial account balance is $500,000. Additionally, the firm states that they may waive the minimum investment amount requirement at their discretion. Thus, it can be inferred that KAHLER FINANCIAL GROUP, INC. has an investment minimum for certain types of accounts.
How This Office Can Help Rapid City, SD Residents
Crestwood Advisors is a full-service wealth management firm that assists clients in Suffolk County, MA with a wide range of financial concerns. Our team of experienced advisors works closely with individuals and families to help them achieve their financial goals through personalized planning and investment strategies. Clients in Suffolk County, MA may face a variety of financial situations, such as planning for retirement, managing investments and assets, navigating inheritance and estate planning, or ensuring financial security for their families. Crestwood Advisors provides customized solutions for each client, offering guidance and expertise tailored to their unique circumstances. By leveraging our extensive knowledge and resources, we help clients make informed decisions that are aligned with their financial objectives, ultimately helping them achieve greater peace of mind and confidence in their financial future.
Services Offered by Kahler Financial Group, Inc.
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Kahler Financial Group, Inc. most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Kahler Financial Group, Inc. is registered to service clients in the following states:
- Colorado
- Florida
- Massachusetts
- New Hampshire
- South Dakota
- Texas
Disciplinary History
Kahler Financial Group, Inc. does not have any disclosures. Please visit it's Form ADV for more details.