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Krehbiel Financial LLC

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Client assets under management

$59,082,193

Clients

41

56% high-net-worth

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

21

Low

Average account size

$1,441,029

About

Krehbiel Financial LLC serves individual and family clients, including high-net-worth households, offering comprehensive and project-based financial planning, ongoing financial planning subscriptions, and investment management. The firm also facilitates estate-document preparation through an online estate-planning platform and provides business- and employee-benefit consulting as part of its planning services.

For investment management, KF primarily constructs asset-allocation portfolios using low-cost index funds and ETFs while incorporating cyclical analysis as an overlay to inform timing and asset class exposures. Portfolios are managed under client-specific investment policy statements with discretionary authority for most accounts and quarterly reviews; the firm does not aggregate client trades into block orders.

Compared with peers, KF is a small, two-advisor firm managing under $100 million for a modest client base and uses an uncommon planning-fee model that factors both income and investable assets. The advisory team includes a data-science professional in addition to a CFP®, offers an estate-document workflow via a third‑party platform, and discloses no third‑party compensation, no wrap or performance fees, and a policy of not voting client proxies.

Client services

Financial planning Portfolio management

Expertise

College savings (529s, UTMA, etc.) Cash flow / budgeting Debt management General retirement planning

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Fee options

Fixed

Project-Based Financial Planning initial meeting fee $300; subsequent fees negotiated based on complexity.

Subscriptions

On-going Comprehensive Financial Planning (including Investment Management) annual fee equal to Comprehensive Financial Plan fee, paid quarterly (minimum $750, maximum $2,500 per quarter) or monthly.

Other

Minimum fee: Minimum fee of $750 per quarter for On-going Comprehensive Financial Planning (including Investment Management) Fee-only: Comprehensive Financial Planning: 1% of annual gross income plus 0.5% of investable assets; Project-Based Financial Planning: fixed fee of $300 for initial meeting plus negotiated fee based on complexity; Estate Planning non-attorney service fee $300 or 50% of legal fee, whichever is greater.

Main office location

Krehbiel Financial LLC

476 Highway A1 A, Suite 8 A

Satellite Beach FL 32937, United States

Number of offices

2

Most active in

Florida · Texas

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

John K

CFP®

Satellite Beach, FL

Krehbiel Financial LLC

Your finances are a highly personal puzzle that can be sorted out, solved and optimized for your life. My goal is to help you get comfortable with your financial decisions by giving you smart, honest advice that aligns with your goals and values. After getting my engineering degree from CalTech and a Masters in Management from M.I.T., I was a financial do-it-yourselfer for over 25 years. One day on the radio, I heard Dave Ramsey say, “You want a financial advisor who has the heart of a teacher”, and I thought, “That’s me! I have a passion for understanding and explaining finances to people.” I founded Krehbiel Financial after 15 years in marketing, engineering and executive management at Harris and Intersil, and 11 years teaching physics at West Shore Jr./Sr. High School in Melbourne, FL. Throughout my careers, problem-solving, interpersonal skills, and teaching have been keys to my success in working with people. I specialize in working with tech professionals and busy couples who realize that their time is better spent focusing on their careers and their families, not the intricacies of financial planning. When I am not helping people accomplish their goals with their money, I enjoy road biking, bike tourism, traveling, meals with friends, and being a member of Church in the Wild, in Melbourne, FL.

General retirement planning Retirement income strategy General tax planning Technology Professional
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Karl K

Series 65

Satellite Beach, FL

Krehbiel Financial LLC

Karl Krehbiel is a financial advisor at Krehbiel Financial LLC with three years of industry experience. He holds a Series 65 designation and has worked at Waymo LLC since 2022 as a full-time data scientist. Prior to that, he was employed at Quora, Inc. for seven years. Krehbiel Financial LLC provides comprehensive financial planning and investment management primarily for individual and family clients, focusing on passive portfolio construction with index funds and ETFs while incorporating cyclical analysis for asset allocation and timing. The firm also offers an estate-document facilitation service and manages portfolios on a discretionary basis with client-specific investment policy statements.

College savings (529s, UTMA, etc.) Cash flow / budgeting Debt management General retirement planning
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