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Matthew Kem

Advisor at OSAIC

Updated today

Location

Hopkinsville, KY 42240

Credentials

ChFC®, Series 63

Industry experience

18 years

About

Matthew Kem is a financial advisor at OSAIC with 18 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Securities Corp for 16 years and has longstanding affiliations with Metlife Securities, Inc and Metropolitan Life Insurance Company since 2007. Outside of his advisory role, Kem operates Kem Wealth Management, offering various insurance products. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm combines risk-tolerance assessments with advanced asset allocation and portfolio management tools, providing access to multiple custodial platforms and a wide range of investment options.

Client services

Based on OSAIC

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on OSAIC

Annuities

Occupation focus

Based on OSAIC

Founder/Business Owner Executive Retired

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Fee options

Fixed

Fixed or flat fees for financial planning and consulting services generally up to $25,000, can exceed for high net worth individuals; Non-Discretionary Investment Advisory Services fixed fees from $500 to $15,000; Retirement Plan Consulting Services fixed fees from $1,000 to $100,000.

Percentage

$0 - $5,500: Negotiable, varies by Advisory Representative and program $5,500 - $10,000: Negotiable, varies by Advisory Representative and program $10,000+: Negotiable, varies by Advisory Representative and program

Commissions

Advisory Representatives may receive commissions as registered representatives or insurance agents for securities or insurance product sales outside advisory accounts.

Project-based

$0 - $750 per hour for financial planning and consulting services, Non-Discretionary Investment Advisory Services, and Retirement Plan Consulting Services.

Other

Account minimum: $5,500 to $10,000 depending on program Fee-only: Advisory fees negotiated individually by Advisory Representatives; often asset-based fees with wrap or non-wrap structures; fees can be up to 3% annually for Plan Participant Retirement Program; fee schedules vary by program and Advisory Representative.

Location

1619 S. Virginia Street

Hopkinsville, KY 42240

Most active in

Kentucky · Texas

Work history

OSAIC

2025 - Present (1 year)

Lincoln Financial Securities Corp

2009 - 2025 (16 years)

Metlife Securities, Inc

2007 - Present (19 years)

Metropolitan Life Ins Co

2007 - Present (19 years)

KEM, DUGUID AND ASSOCIATES, PSC

2005 - Present (21 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Hopkinsville, KY

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Hopkinsville, KY

Robert Baird & Co.

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Hopkinsville, KY

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