KRM Financial Planning & Wealth Management, LLC

KRM Financial Planning & Wealth Management is an SEC‑registered investment adviser that provides investment management, comprehensive financial planning, and retirement plan consulting for individuals, trusts, businesses, and retirement plans; the firm’s brochure notes it provides services primarily for high‑net‑worth clients. Services include discretionary portfolio management using KRM model portfolios or selected third‑party money managers, financial planning engagements, and ERISA 3(21) fiduciary support and participant education for retirement plans.

The firm’s investment approach emphasizes strategic asset/style allocation, manager due diligence, and a blend of quantitative screening with practitioner judgment, and KRM may delegate day‑to‑day management to third‑party managers while maintaining ongoing monitoring and discretionary authority. KRM discloses reliance on third‑party databases and tools (eMoney, Holistiplan, Nitrogen, Morningstar, Orion) to inform allocations, manager selection, reporting, and notes the attendant risk that client outcomes depend in part on third‑party manager decisions.

KRM is newly registered and reports no regulatory assets under management, a configuration the brochure highlights alongside its active offering of both individual and institutional retirement plan services, which is an uncommon mix among peers. The brochure also discloses that the firm’s owner serves as the firm’s chief compliance officer and sole adviser, maintains outside real‑estate businesses (about 50 hours per month) and is a licensed insurance agent who may receive commissions—factors that bear on supervisory structure and potential conflicts of interest.