Kreiner Financial Wealth Management, Inc.

Kreiner Financial Wealth Management provides fee‑based financial planning and consulting primarily to individual clients, offering comprehensive plan reviews that cover topics such as estate planning, taxes, retirement income, Social Security, and college planning, and a suite of bundled and standalone analytical reports. The firm does not act as a custodian or directly manage client assets and instead assists clients with account evaluation and periodic reviews while coordinating with other professionals as needed.

The firm delivers advice on an hourly or fixed‑fee basis for financial planning work and completes plans and report bundles (e.g., income planning, asset allocation, and wealth transfer bundles) once client documentation is provided. When investment management is appropriate, the firm refers clients to third‑party managers, monitors those managers’ performance, and serves as the liaison between the client and the selected TPM rather than exercising investment discretion itself.

Distinctive features include an affiliated insurance practice run by the firm’s principal, who spends roughly half of their professional time on that activity and may offer insurance products through a separate entity; this affiliation and related commissions are disclosed as potential conflicts. The firm also regularly holds no‑fee educational seminars and maintains a formal referral and revenue‑sharing arrangement with a named third‑party manager (Gradient Investments) that includes long‑term incentive payments tied to assets placed with that manager—arrangements that the brochure discloses and addresses through client disclosures and consent.