St. Charles, IL Office

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.