KRM Financial Planning & Wealth Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
KRM Financial Planning & Wealth Management is an SEC‑registered investment adviser that provides asset management, comprehensive financial planning, and retirement plan consulting to a mix of individuals, trusts, foundations, endowments, pension and profit‑sharing plans, and businesses. The firm’s brochure states it serves primarily high‑net‑worth clients and also offers ERISA‑related fiduciary and participant education services for retirement plans.
KRM implements portfolios through firm models or by selecting third‑party money managers, operating with discretionary authority and an ongoing due diligence process that combines quantitative screening with practitioner judgment. The firm employs third‑party tools for planning and reporting (eMoney, Holistiplan, Morningstar, Orion), may recommend fee‑based variable annuities, and monitors manager alignment with client objectives.
Noteworthy features for a single‑adviser firm with over $200 million in AUM include its formal ERISA 3(21) fiduciary retirement plan services and a structured suite of plan communication and education offerings, which are less common among similarly sized advisers. The brochure also discloses that the adviser holds insurance licenses and several separate real‑estate businesses and is self‑supervising, factors the firm identifies as potential sources of additional compensation or conflicts to be managed.
Client services
Expertise
Fee options
Fixed fee services range from $1,500 to $50,000, negotiated based on scope and complexity.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,500,000: 0.65% $2,500,001+: 0.55%
KRM’s advisory professionals may receive commission-based compensation for the sale of insurance products.
Hourly fees range from $250 per hour and up.
Main office
555 S. Randall Road, Suite 202
St. Charles IL 60174
Advisors at this office
1
Most active in
Arizona · Florida · Illinois · Michigan · Tennessee · Texas · Wisconsin
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:
-
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.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")