For Kurt, planning and investing are means to an end—after all, what’s the point of accumulating wealth for accumulation’s sake? His goal is for clients to fully enjoy their wealth both today and in the future. As such, he focuses first on helping clients map out their life, creating a detailed picture of their hopes, dreams, and wishes. Only after that big-picture plan is established does he dive into the details and identify prescriptive action steps. Then, and only then, does he discuss the best way to invest their money. This intentional order aims to ensure each strategy has a specific purpose, and that every decision the client makes is driving them closer to their long-term goals. Kurt enjoys working with young entrepreneurs and specialized professionals who are early in their careers. Many of his clients have never had a personalized financial plan, and they appreciate his fresh perspective. He challenges conventional wisdom, always seeking the “why” behind a strategy rather than simply accepting the status quo. In doing so, he often discovers additional avenues for growth, methods for clients to more efficiently achieve their goals, or ways to save on taxes. Kurt lives in Rochester, New York, with his wife Sarah and their two young children, Kai and Isla. They’re an active family that loves to be outside as much as possible, and when each of his kids turned three, Kurt taught them to ski—something he was very excited about, having started skiing himself at the age of two. They also enjoy cooking together, going on road trips, and watching movies.

Frederick Krokenberger is a CFP® with 43 years of industry experience. He is currently with FactorPoint Planning, LLC, where he has worked since 2026. Prior to that, he spent 17 years at Morgan Stanley and 11 years at Morgan Stanley Private Bank, National Association. FactorPoint Planning, LLC provides financial planning, consulting, and discretionary wealth management services with a focus on trusts, estates, corporations, and retirement plan clients. The firm uses a structured planning process and evidence-based investment strategies emphasizing low-cost, tax-efficient, diversified portfolios primarily built with systematic, rules-based ETFs and factor tilts.