Gerstemeier Financial Group,LLC

Gerstemeier Financial Group, LLC provides personalized financial planning and ongoing investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. The firm operates on a fee-only basis and serves a relatively small client base with two advisers managing roughly $143 million in discretionary assets across about 70 clients.

The firm favors a strategic asset-allocation, core-and-satellite approach that uses passive index funds and ETFs for core exposures and tactical satellite allocations as appropriate, and it commonly implements portfolios on a discretionary basis while using investment policy statements and periodic rebalancing. Client relationships are documented with written plans and net worth statements, quarterly reviews, and trade execution under a limited power of attorney; retirement plan engagements are handled on a non-discretionary consulting basis.

Noteworthy for a firm of its size, the principals and staff hold professional financial planning and tax/accounting credentials (CFP®, CPA/EA) and the firm offers in-house tax-preparation and trust/estate support alongside retirement-plan consulting. The adviser does not sell commission products or participate in wrap programs, and it leaves proxy voting to clients rather than casting votes on their behalf.