Advisor at U.S. Bancorp Advisors, LLC
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Firm
U.S. Bancorp Advisors, LLC
Location
Fox Lake, IL 60020
Credentials
Series 63, Series 65
Industry experience
26 years
Kimberly Tobias is a financial advisor with U.S. Bancorp Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with U.S. Bancorp Investments, Inc. since 2005 and transitioned to U.S. Bancorp Advisors in 2026. Outside of her advisory role, she is involved in family-owned businesses related to auto repair, sales, and vitamin supplements, occasionally assisting with operations and paperwork. U.S. Bancorp Advisors, LLC provides investment advisory services through its Personal Portfolios Wrap Program to individuals, charitable organizations, businesses, and retirement accounts. The firm utilizes a combination of third-party investment managers, technology platforms, and proprietary models to manage discretionary and non-discretionary portfolios, offering services that integrate with its banking affiliates.
Based on U.S. Bancorp Advisors, LLC
Based on U.S. Bancorp Advisors, LLC
Transaction-based charges or commissions may apply if implementing the financial plan through USBA brokerage services.
55 E Grand Ave
Fox Lake, IL 60020
Illinois · Wisconsin
U.S. Bancorp Advisors, LLC
2026 - Present (1 year)
U.S. Bancorp Investments, Inc.
2018 - Present (8 years)
U.S. Bancorp Investments, Inc.
2005 - 2018 (13 years)
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Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Is not active or affiliated with:
Trust company
They provide trust and estate administration services, typically for separate fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFP®
Libertyville, IL
Optimum Retirement Planning LLC
Hi, I'm Larry Pershing, CFP® RMA®, a flat fee financial advisor. I focus on helping people age 55+ with their retirement planning and investment management needs for a FLAT fee. Having worked in various wealth management firms in my career, I was surprised to discover many firms try to service everyone, which leads them to being average for all. Some are more concerned with amassing client assets than providing customized recommendations. I started Optimum Retirement Planning because I saw a need for specialists to help clients navigate the complex and challenging financial aspects of retirement. Our offering is different. We don’t work with everyone. We specialize in helping those who are close to and in retirement. We apply the latest financial research for retirement to help answer your complex financial questions. Optimum Retirement Planning is a flat fee financial advisor. This means we charge differently than most financial advisors. We offer retirement planning and investment management for a flat fee. For too long retirees have been overpaying for financial advice due to large commissions and/or being charged a percentage of their assets. When I’m not in the office, I’m on a tennis court, reading a book (finance or science fiction), or spending time with family and friends. I also volunteer for AARP sponsored events that help seniors receive complimentary financial advice. While I live in Chicago, I was born and raised in Los Angeles. I return often, especially during winter. You can take the guy out of California, but you can’t take the California out of the guy!
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