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Kardinal Financial

Updated today

Client AUM

$9,016,638

Clients

19

Advisors

1

of 1 employees

About

Kardinal Financial provides comprehensive financial planning and associated investment management to individual and high-net-worth clients, and also offers project-based planning on topics such as retirement, tax, estate, and cash-flow planning. Investment management is delivered only as part of a comprehensive planning engagement, with ongoing monitoring and at least semi-annual client meetings.

The firm’s investment approach emphasizes passive portfolio construction and asset allocation consistent with Modern Portfolio Theory and the Efficient Markets view, using index mutual funds and ETFs and measuring risk with metrics such as standard deviation, Sharpe and Sortino ratios, and drawdowns. Portfolios are tailored to client goals and risk tolerances and diversification is achieved across equity, fixed income, cash, and alternative asset classes.

Compared with many peers, Kardinal Financial does not charge percentage-of-assets-under-management fees; instead it uses fixed recurring planning fees and separate project-based fixed fees and does not accept third‑party compensation for product sales. The firm manages roughly $9 million for a small client base and follows a written fiduciary code, CFP-oriented standards, and formal policies on personal trading, custody limited to fee withdrawal, and business continuity.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Income planning College savings (529s, UTMA, etc.)

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Fee options

Other

Minimum fee: Annual fees range from $2,400 to $12,000 for Comprehensive Financial Planning & Investment Management Fee-only: Project-Based Financial Planning offered on a fixed fee basis ranging from $100 to $6,000

Main office

Verona WI

Advisors at this office

1

Most active in

Texas · Wisconsin

Also doing business as

Kardinal Financial · Kardinal Financial LLC

Disclosures

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

Business activities & affiliations

Advisors at this firm

Bryan M

CFP®, CFA®

Verona, WI

Kardinal Financial

Long before I knew what CFP® meant, I was very interested in money and personal finance. Although I was unsure what my career would ultimately look like, I wanted to be confident and secure in my family's finances and future. In my final year of college, I was fortunate to study under the head of the finance department, who was also a practicing financial planner. From that point forward, the idea of being an independent financial advisor— a trusted partner serving people just like my parents— was my dream job. The first decade-plus of my career was dedicated to building the experience, knowledge, and credentials required to best serve my clients. In 2021, I founded Kardinal Financial to continue this pursuit and to deliver the ideal financial planning experience, unshackled by the status quo and constraints of "this is how it's always been done." Everything at Kardinal Financial—the relationship structure, the investment philosophy, the technology, the fees, everything—is designed to best serve my clients. I have over a decade of experience in financial services. My experience includes serving as the Director of Investment Research at a $2.5 billion wealth management firm and an investment portfolio manager to individuals and families. I have obtained the Certified Financial Planner (CFP®) and Chartered Financial Analyst (CFA) designations. When I'm not working, you'll likely find me spending time with my wife (Maggie) and kids (Rose & Calvin), playing soccer, watching Manchester United, or on a walk with a good podcast.

General retirement planning Retirement income strategy General tax planning Wealth management
View complete list of advisors at this firm
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