Karstens Wealth
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$2,860,000
Total clients
14
7% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
14
Average account size
$204,286
About
Karstens Wealth serves individuals, high-net-worth individuals, families, trusts, estates, charitable organizations, small businesses and retirement plans. The firm provides comprehensive financial planning and portfolio management services, including asset allocation, retirement and tax planning, risk planning, portfolio oversight, and selection of third‑party advisors.
The firm generally favors a passive, cost- and tax‑efficient investment approach while retaining the ability to use active managers or individual securities when appropriate; client accounts are held at independent custodians and managed on a discretionary basis with regular reviews and rebalancing tools. Karstens Wealth also integrates planning technology into client relationships, providing a digital portal and a subscription-based planning app with advisor-on-demand access, and typically converts planning engagements into ongoing wealth-management relationships.
Noteworthy aspects relative to peers include an operational affiliation with an insurance agency and ongoing insurance-broker activities, and participation in wrap-fee programs through major custodians — features that are less common among solo independent advisers. The firm is small in scale, managing approximately $2.8 million for a limited client roster, and combines its advisory practice with an active insurance business, which shapes the scope of services offered.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Stock option exercise strategy
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Executive
Fee options
$500 to $23,000 annually, billed monthly or quarterly in advance, negotiable
0.25% to 1.75% of total portfolio value, negotiable based on account value, services offered, and service level
$50 to $2,000 per month, monthly subscription based on client access to planning, other services and need
Main office location
Karstens Wealth
1415 W 22 Nd St Tower Floor
Oak Brook IL 60523, United States
Number of offices
1
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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