Krempa Associates Inc. logo

Krempa Associates Inc.

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Client assets under management

$75,000,000

Clients

50

0% high-net-worth

Advisors

3

of 6 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

17

Very Low

Average account size

$1,500,000

About

Krempa Associates, Inc. works with corporations, plan sponsors, individuals and trusts, with a primary emphasis on employer-sponsored retirement plans, employee benefits and insurance products, alongside fee-based financial planning delivered via the E-Money platform. The firm provides 401(k) portfolio management through an online platform that lets participants manage accounts themselves or select one of five managed portfolios, and offers financial planning on an hourly basis or as a monthly retainer for ongoing advice.

The firm’s investment approach combines value/deep-discount security selection with Modern Portfolio Theory and draws on third‑party market analysis from sources such as Ned Davis and Jeremy Siegel to form two- to four-quarter market views. Krempa manages five global portfolios for its 401(k) platform (adjusting allocations roughly three times per year), holds plan assets in omnibus accounts, does not use leverage, derivatives, or hedging in those portfolios, and does not exercise discretionary trading authority over RIA/401(k) assets.

Krempa is distinctive among similar firms in that its principals are also registered representatives of an unaffiliated broker-dealer and the firm offers insurance and employee-benefit products, so some advisers may receive commissions for securities or insurance sales, while financial planning conversations are conducted with a stated prohibition on product solicitation. The firm is a long‑standing, family‑owned practice with three advisors managing roughly $75 million for about 50 clients and focuses on plan sponsor and participant services rather than discretionary individual portfolio management.

Client services

Financial planning Pension consulting Selection of other advisers

Expertise

General retirement planning Retirement plans for business owners (SEP, solo 401k) Cash flow / budgeting Divorce financial planning College savings (529s, UTMA, etc.)

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Fee options

Percentage

Up to 1% annually, negotiated but generally not exceeding 1% of assets under management

Project-based

Hourly fees negotiated but generally not exceeding $200/hour

Subscriptions

Monthly retainer for ongoing financial planning advice, negotiated per client interest

Other

Fee-only: Hourly financial planning services generally not exceeding $200/hour; retainer fees negotiable

Main office location

Krempa Associates Inc.

5039 Swamp Road Suite 403

Fountainville PA 18923-0418, United States

Number of offices

1

Most active in

Pennsylvania

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

user avatar

Albert K

ChFC®, Series 63, Series 65

Fountainville, PA

Krempa Associates Inc.

Albert Krempa Jr. is a ChFC® credentialed advisor with 29 years of industry experience. He is the president of Krempa Associates Inc., a family-owned firm established in 1994, and has held roles at IC Advisory Services, Inc. and The Investment Center, Inc. since 2006. He serves on the board of directors for the Boy Scouts of America, where he helps plan golf outings. Krempa Associates, Inc. works with corporations, plan sponsors, individuals, and trusts, focusing on employer-sponsored retirement plans, employee benefits, and insurance products alongside fee-based financial planning via the E-Money platform. The firm manages 401(k) portfolios using a value-oriented approach combined with Modern Portfolio Theory and provides non-discretionary services emphasizing plan sponsor and participant support.

General retirement planning Retirement plans for business owners (SEP, solo 401k) Cash flow / budgeting Divorce financial planning College savings (529s, UTMA, etc.)
user avatar

William K

CFP®, Series 63, Series 65

Fountainville, PA

Krempa Associates Inc.

William Krempa is a CFP® with 35 years of industry experience and is the principal of Krempa Associates Inc. He has worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2024, and previously spent 18 years with Ic Advisory Services, Inc. and The Investment Center, Inc. Outside of financial advising, he owns Krempa Family Racing, LLC, a sports and fitness-related business. Krempa Associates Inc. is a small firm with two advisors based in Fountainville, PA, providing supported advisory services.

General retirement planning Retirement plans for business owners (SEP, solo 401k) Cash flow / budgeting Divorce financial planning College savings (529s, UTMA, etc.)
user avatar

A K

Series 63, Series 65

Fountainville, PA

Krempa Associates Inc.

A Krempa III is a financial advisor at Krempa Associates Inc. with 36 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cambridge Investment Research Advisors and Ic Advisory Services, Inc., among other firms. Outside of his advisory work, he serves as a committee member at Our Lady of the Sacred Heart Catholic Church. Krempa Associates Inc. is a small firm with two advisors that provides financial advisory services, maintaining a longstanding presence in Fountainville, PA.

General retirement planning Retirement plans for business owners (SEP, solo 401k) Cash flow / budgeting Divorce financial planning College savings (529s, UTMA, etc.)
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