Karpinski Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee-for-service financial planning and investment advice to individuals, businesses, and trusts, describing its typical clientele as “main street” investors while also working with some high-net-worth or accredited clients. Services include portfolio management, asset allocation and investment selection, retirement and college planning, employee benefits and qualified-plan subaccount analysis, delivered through both limited-scope engagements and ongoing advisory relationships.
Its investment platform is split between a Strategic Asset Management (SAM) program — a long-term, buy-and-hold asset-allocation approach with periodic rebalancing — and an Active Management Program (AMP) that uses model portfolios and trend-focused research to reposition assets more frequently. AMP accounts commonly operate with limited discretionary authority and the firm emphasizes mutual funds and high-quality individual stocks to limit intraday execution risk, while permitting ETFs or selective leveraged bond funds in specific circumstances.
A distinctive feature disclosed in the brochure is that the firm’s principal is also a licensed insurance agent and may recommend insurance products that generate commissions, a potential conflict of interest that the firm discloses and allows clients to decline. The firm also routinely deducts advisory fees directly from custodian accounts (while remaining operationally independent of custodians such as TD Ameritrade and Charles Schwab) and notes its fees can be higher than industry averages.
Client services
Expertise
Fee options
Fixed fees are negotiable and can be agreed upon in client contracts
$0 - $50,000: 1.25% $50,001 - $100,000: 1.25% $100,001 - $250,000: 1.10% $250,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.70% $1,000,001 - Over: 0.50%
Insurance product sales may produce commissions; advisor may receive commissions from insurance products separate from advisory fees
Hourly fees usually range from $200 to $400 per hour
Fee-only: Hourly fees usually range from $200 to $400 per hour; Fixed fees are negotiable and can be agreed upon in client contracts
Main office
8020 East Gelding Drive, Suite 106
Scottsdale AZ 85260
Advisors at this office
1
Most active in
Arizona · Texas · Wisconsin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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