Fees and Compensation
As a fee‑only fiduciary firm, KMB Wealth Management is compensated solely by its clients and does not receive commissions or product‑based incentives. This structure allows advice to remain objective and focused entirely on the client’s best interest.
Because the firm is paid directly by clients:
Advice is free from product‑based incentives
Recommendations are based on your goals only
It’s role stays focused on planning, guidance, and long‑term decision‑making
This structure allows KMB Wealth to legally and practically act as a true fiduciary - placing your interests first in every recommendation.
Fee‑Only vs. Commission‑Based Advice
Fee‑Only
Paid directly by clients for advice and planning
No commissions or product sales
Advice aligned solely with client goalsCommission‑Based
Compensation tied to products or transactions
Potential incentive to recommend certain solutions
Client may not always know how the advisor is paid
Being fee‑only helps eliminate conflicts of interest that can arise when advisors are compensated by product providers.
How fees are structured
Services are provided through an ongoing wealth management relationship that includes both financial planning and investment management. Fees are charged as an asset-based wrap fee, which covers portfolio management, financial planning, and ongoing guidance.
This structure is designed to keep advice aligned with long-term outcomes, rather than transactions or product recommendations.
What this means for clients
Because the firm is compensated only by its clients:
Advice is not influenced by product recommendations or commissions
Planning and investment decisions stay aligned with long-term goals
The relationship focuses on ongoing guidance, not one-time transactions
Costs are transparent and easier to understand
The goal is to create a structure where decisions can be made with clarity and confidence, without competing incentives.
How this fits the advisory relationship
Financial planning is integrated into the ongoing wealth management relationship rather than offered as a separate service. Investment decisions are made within the context of that plan and reviewed over time as life changes.
This structure allows the firm to focus on coordination, consistency, and long-term decision-making.
To see how this structure fits into the overall process and services provided, visit How it Works