What We Offer
- Access to your own certified financial planner whenever you have a question. Available 24/7 by phone/email.
- Customized action plan with mini to-do lists including an investment strategy.
- A sounding board when life happens.
- Scheduled follow ups to make sure all is going to plan.
- A flat fee based on your questions and not how much money you can invest.
- A personal financial website.
- A personal cash flow website.
- Confidence to know you’re heading in the right direction.
Our Story
We’re here to provide a service that most of the financial industry is not: unbiased, honest, affordable financial advice!
- We believe in 100% transparency.
- We believe in having options in life.
- We believe that having strong relationships is key.
- We believe that money is just part of the equation.
- We believe that having a flat fee is a good way to do business. Our fees are lower than most given our low overhead. We work remotely and don't have a sales team that we have to pay.
- We believe that you treat people how you want to be treated.
- We believe that quality counts. Our planners are all CFP's and fidicuaries with a minimum of 10yrs experience.
- We were founded on the premise that having a trusted resource when making important financial decisions helps you sleep better at night.
Meet some of our advisors
Ryan J. Keshemberg
CFP
Sign up and a planner will be in touch to learn more about your situation.
Frequently Asked Questions
What is the average fee?
Most clients pay $250/mo although the fee can range between $250/mo-$500/mo depending on your situation. This is the total fee which may include investment management.
What are typical questions you help with?
- How much should I be saving for (retirement, house, wedding, college, etc)
- Can I afford to buy this house/car?
- What do I need to consider when starting a family?
- How do I start a Roth IRA?
- Am I paying too much for my investments?
- What do I need to sign up for when it comes to my employer’s benefits?
- How do I organize my finances?
- Do you have anyone you recommend for legal/tax questions?
- How do I choose the right amount of insurance?
Can I meet face-to-face with my planner?
One of the ways we keep our overhead low is by only doing meetings over the phone and online. We’ve found that we can be more efficient this way.
What makes Keshemberg different?
We’re here to provide sound advice at every step of life. Our goal is to maximize your life and not our bottom line.
Is Keshemberg for everyone?
The company was built for physicians and dentists. We hope to have other platforms for medical/dental practitioners going forward.
How do I get billed?
Most clients choose to sign up for monthly billing although you have the choice to choose a less frequent billing cycle such as semiannually or annually.
Do I get the same planner every time?
Yes, we want to make sure that you have one point of contact. There will be occasions where your planner is on vacation, sick, etc.
Do you work with residents/fellows?
Yes, we have a special program for residents/fellows or anyone still in training. Reach out to learn more!
What don’t you provide?
We don’t provide tax/legal advice although we will coordinate with your other team members to make sure everyone is on the same page.
Partnerships?
We have relationships with independent insurance brokerages across the country. These brokerages will shop dozens of companies to find you the best offer. When you secure coverage with one of these brokerages we either receive a referral fee or a portion of the commission the brokerage was paid.
How often do I talk with my planner?
It depends on your schedule and your situation. Most clients have 3-6 meetings with their planner the first year and then 2-3 each year after. There will be times when life is busier (getting married, starting a new job, etc) that will require more frequent communication, but that’s the good thing with our model is that we’re here to talk whenever you want to touch base.
Have more questions? Contact us here.
