Koehler Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides discretionary portfolio management, asset-allocation advice, and complimentary financial planning to a mix of individuals, high‑net‑worth clients, pension and profit‑sharing plans, trusts, estates, and corporate entities. It advises on mutual funds, exchange‑traded funds, unit investment trusts, variable annuities and life products, and occasionally individual stocks and bonds, managing about $36.35 million in client assets across roughly 329 client relationships.
Investment advice is tailored to each client and delivered under discretionary authority when engaged; the firm uses a combination of methods including modern portfolio theory, fundamental, technical/charting, and cyclical analysis and offers model portfolios ranging from ultra‑conservative to total‑return allocations. While the brochure states the primary strategy does not involve frequent trading, the firm conducts daily tactical reviews and at least annual account reviews and may adjust allocations for market or client‑specific events.
Distinctive features disclosed in the brochure include a wholly owned affiliated broker‑dealer (a FINRA member) through which commissions on mutual funds and variable products are assigned and may be used to offset advisory charges, a relationship the firm identifies as a material conflict of interest. The firm also operates a general agency life insurance business and serves a client‑to‑advisor ratio that the brochure notes is higher than typical for independent firms, items prospective clients may wish to consider when evaluating operational practices and potential conflicts.
Client services
Expertise
Fee options
$0+: 1.00% to 1.80% per annum depending on type and complexity of services $0+: Specifically: Mutual funds/variable annuities accounts charged 1.00% annually (0.25% quarterly) as trail commissions payable to Broker-Dealer $0+: Unit investment trusts charged 1.80% annually (0.425% quarterly), reduced by any commissions paid $0+: Exchange traded funds, individual securities, bonds charged up to 1.50% annually (0.375% quarterly), possibly less for inactive accounts, reduced by any commissions paid
Commissions received by affiliated broker-dealer Koehler Financial, LLC on mutual funds, variable annuities, and unit investment trusts; advisory firm does not receive these commissions.
Account minimum: No minimum (clients must meet custodian's minimum account size requirements) Fee-only: Advisory fees paid directly to Koehler Financial Services, Inc., no commissions received by advisory firm.
Main office
5764 James Drive
Stevensville MI 49127
Advisors at this office
1
Most active in
Florida · Illinois · Indiana · Michigan
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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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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