Karstens Wealth

Karstens Wealth serves individuals, high-net-worth individuals, families, trusts, estates, charitable organizations, small businesses and retirement plans. The firm provides comprehensive financial planning and portfolio management services, including asset allocation, retirement and tax planning, risk planning, portfolio oversight, and selection of third‑party advisors.

The firm generally favors a passive, cost- and tax‑efficient investment approach while retaining the ability to use active managers or individual securities when appropriate; client accounts are held at independent custodians and managed on a discretionary basis with regular reviews and rebalancing tools. Karstens Wealth also integrates planning technology into client relationships, providing a digital portal and a subscription-based planning app with advisor-on-demand access, and typically converts planning engagements into ongoing wealth-management relationships.

Noteworthy aspects relative to peers include an operational affiliation with an insurance agency and ongoing insurance-broker activities, and participation in wrap-fee programs through major custodians — features that are less common among solo independent advisers. The firm is small in scale, managing approximately $2.8 million for a limited client roster, and combines its advisory practice with an active insurance business, which shapes the scope of services offered.