K
Karpinski Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$83,597,489
Total clients
119
25% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
119
Average account size
$702,500
About
Karpinski Financial, LLC provides fee-for-service financial planning and investment management to individuals, businesses, and trusts, with a client base made up largely of mainstream individual households and some high‑net‑worth or accredited clients. Services commonly include retirement and college planning, employee benefits and qualified-plan subaccount analysis, asset allocation, and investment selection.
The firm offers two primary management programs: a Strategic Asset Management program that emphasizes long-term buy‑and‑hold asset allocation with periodic rebalancing, and an Active Management Program that uses model-driven, trend‑seeking strategies and may trade more frequently; accounts can be managed on either a discretionary or non‑discretionary basis. The adviser gathers client goals, financial data, and risk tolerance to tailor portfolios across mutual funds, individual equities, bonds, ETFs and sector exposures, and may use limited short‑term leverage (for example, leveraged bond funds) in specific liquidity or transition situations.
A distinctive aspect of the firm is that its principal is also a licensed insurance agent who recommends insurance products that can generate commission compensation, a potential conflict of interest the firm discloses — an affiliation that is uncommon among independent advisers. The firm manages roughly $70 million in advisory assets through independent custodians, performs fee deductions under standard custodial safeguards, and conducts periodic (typically quarterly) account reviews and reporting.
Client services
Financial planning
Portfolio management
Expertise
College savings (529s, UTMA, etc.)
Active portfolio management
Fee options
Fixed fees are negotiable and can be structured for financial planning services.
$0 - $50,000: 1.25% $50,001 - $100,000: 1.25% $100,001 - $250,000: 1.10% $250,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.70% $1,000,001 - Over: 0.50%
Commission-based compensation is possible through insurance product sales by the owner, but not related to advisory fees.
Hourly fees usually range from $200 to $400 per hour, negotiable.
Fee-only: Hourly fees range from $200 to $400 per hour; Fixed fees are negotiable and can be structured.
Main office location
Karpinski Financial, LLC
8020 East Gelding Drive, Suite 106
Scottsdale AZ 85260, United States
Number of offices
1
Most active in
Karpinski Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Arizona · Texas · Wisconsin
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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