Keener Financial Planning

Keener Financial Planning advises individuals (including high‑net‑worth clients), trusts, small businesses and occasional retirement plans, delivering modular financial planning and investment management services. The firm centers many engagements on retirement planning and establishes the scope of work through either one‑time (hourly or flat‑fee) projects or ongoing retainer relationships that begin with a written financial plan.

Investment implementation follows a long‑term, cost‑aware approach that relies primarily on low‑cost index mutual funds and ETFs to construct diversified model portfolios, with selective use of active funds and an intentional overweight to small‑cap and value exposures. Portfolios are monitored and rebalanced on a regular cadence, and new clients are generally onboarded with discretionary management while some legacy relationships remain non‑discretionary.

Keener is a fee‑only adviser that, unlike most peers, does not rely on percentage‑of‑assets fees and instead uses hourly/flat‑fee engagements and annual retainers for ongoing services. The firm also conducts group educational workshops and, as noted in its disclosures, uses endorsements, client testimonials and references to third‑party recognitions in its advertising; its team of about ten advisors manages roughly half‑a‑billion in regulatory AUM while advising on substantially more client assets, a scale and service mix that sets it apart from many similar team firms.