Our Mission

We provide a framework to help you understand the impact different choices have on your financial security. Our philosophy is to understand our clients’ goals and create a plan to reach them. As a fee-only financial advisor, our compensation comes directly from you. This allows you to focus on the solutions and alternatives presented knowing there is only one motive behind them - to serve your needs and objectives.

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Services

 

Comprehensive Financial Management

We provide comprehensive financial planning and investment management. An initial no-obligation consultation is offered to help clarify your needs.
 

 

Financial Planning

A successful financial plan encompasses your priorities, risk tolerance and resources into a set of recommendations that best achieves your goals.
 

 

Investment Management

We will explain the benefits of asset class diversification and balancing the trade-offs of market risk and reward. In the end, you need to be comfortable with the portfolio.
 

Our Team

Bre F. Robinson

Client Service and Operations Manager
708.246.2366
bre@pvwealthmgt.com
As Client Service and Operations Manager, Bre oversees the overall customer financial experience and improves upon the day-to-day processes. Bre has a...

Blog

Kirk Kreikemeier |
Categories
A key barometer for the health of the economy can be found in the jobs report. If jobs are being created and wages are rising, more money is in consumers’ hands which fuels economic activity as they spend. The latest jobs report (typically released the first Friday of the month) showed a very solid jobs picture.
Rex Jiang |
Categories
Should auld "indices" be forgot, And never brought to mind? ... That may have been the song many investors wanted to sing this New Year's Eve. US equity markets saved the worst month for last as December saw significant losses in the major indices. The same concerns persisted into the month, with global economic slowdown, trade negotiations with China and political issues on investors' minds.
iPhone, iPad… and I Bonds? No, not Apple bonds; rather the inflation-linked savings bonds from US Treasury. You may be familiar with treasury bills, bonds, or EE bonds from Treasury Direct, but inflation-linked bonds – called I Bonds – are also offered. The real coupon rate has been very low, often 0%, over the past 10 years but the latest bond has a real coupon of 0.50%, the highest since November 2008. Adding CPI inflation...

Resources

 

Market Graphs

Review a series of graphs that will keep you up-to-date on the latest market trends.
 

 

Presentations

See the presentations I have given at local events that will help you to understand financial planning, investment strategy and the market. 
 

 

Library

Read our recent newsletters, find useful links to financial, economic and government publications, and view an economic calendar published by Econoday.
 

FAQ

Q

Are you a fiduciary?

Yes, as a Registered Investment Advisor (RIA) and Certified Financial Planner (CFP®) Kirk is required to follow the fiduciary standard to always put client’s interests first, to act with utmost good faith, to provide full and adequate disclosure of all material facts, to not mislead clients and to expose conflicts of interests.   We understand that trust must be earned and will work diligently to build and maintain that trust.  Kirk also holds multiple professional designations - Certified Financial Planner (CFP®), Chartered Financial Advisor (CFA) and Fellow of the Society of Actuaries (FSA) – and abides by / delivers that professionalism to you.  Learn more about Kirk's background in his bio.

Q

How do you get paid? Do you have account minimums?

Kirk is a fee only advisor, charging a percent of assets under management or a flat fee quarterly, depending on the service provided.  The custodian will charge a small commission for buying and selling securities which is deducted directly from your account held at the custodian as part of the trade.  To minimize custodian fees, we use low cost funds as much as possible.  There are no other hidden costs to the client.  Our minimums start with $125,000 for Investment Management and $250,000 for Comprehensive Financial Management.  We do offer lower minimums for a streamlined investment management service.  

Q

What service is best for me?

We will determine which service is best during our initial meeting when we outline your goals and concerns and understand your motivation for seeking financial advice.  We have a variety of services to meet all different needs including ongoing comprehensive financial management, stand-alone financial planning, or investment management only.  Please see our services overview for more detailed information.

Q

Do I retain custody of assets?

Yes, you will always retain title of your assets and have full legal control.  For accounts we are managing, you grant us discretionary trading authority within the account.  We currently use TD Ameritrade and Charles Schwab as our primary custodians.

Q

How do I get started?

We start with an initial meeting (either in person or phone/video conference depending on geographic location) to discuss your goals and concerns.  We will outline what you want to accomplish, things that have worked well in the past or areas that need attention.  We will then decide on the type of service that best meets your needs.  Please see our services overview for more detailed information.  We do not have any geographical limitations at Pebble Valley Wealth Management.  We currently have clients all over the United States and have tools to handle virtual meetings making your experience seamless regardless of location.