Krouse Stureman & Associates, Inc.

Krouse Stureman & Associates provides personalized financial planning and investment advisory services to a range of clients, including individuals and high‑net‑worth families as well as pension and profit‑sharing plans, trusts, estates, charitable organizations, and corporate entities. Services described in the brochure include comprehensive financial planning, discretionary investment management, and retirement plan advisory and implementation following an initial planning engagement.

The firm’s investment approach is grounded in Modern Portfolio Theory, with an emphasis on asset allocation, diversification, and periodic rebalancing; it typically implements portfolios using passively managed, institutional‑class mutual funds and documents objectives and tolerances in an Investment Policy Statement. Accounts are held at independent custodians (e.g., Charles Schwab and Fidelity), and the firm generally manages portfolios on a discretionary basis under a limited power of attorney with at‑least‑quarterly reviews.

Noteworthy features disclosed in the brochure include an affiliation through common ownership with a licensed insurance agency, where the firm’s principal provides insurance consulting and may recommend insurance products that could generate commissions to the affiliated agency, a potential conflict of interest the firm discloses. The firm also highlights retirement‑plan and pension consulting and an institutional client mix (corporate, charitable, and plan clients) that is less common for a small, independent adviser, and the brochure discloses past regulatory fines related to late registration renewals.