Krehbiel Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Project-Based Financial Planning initial meeting fee $300; subsequent fees negotiated based on complexity.
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.
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
476 Highway A1 A, Suite 8 A
Satellite Beach FL 32937
Advisors at this office
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
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Forms ADV
Quick links
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.
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.
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