A complete list of active advisors currently associated with Karpinski Financial, LLC

Warmer can help you find a great advisor at Karpinski Financial, LLC or one who fits your needs even better.

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.

To learn more about the advisors currently working at Karpinski Financial, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.