K
Kraft Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$36,041,340
Total clients
35
66% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
35
Average account size
$1,029,753
About
Kraft Financial, LLC provides discretionary asset management and comprehensive financial planning to individuals, trusts, estates, and charitable organizations, managing roughly $36 million across a small roster of client households. Services include personalized investment management, retirement income planning, ongoing comprehensive planning engagements, educational seminars, and college‑savings advice.
The firm emphasizes diversification, cost control, and a long‑term perspective, constructing portfolios from a mix of passive and active ETFs, mutual funds, equities, fixed income, and structured products with periodic rebalancing. Client objectives are set using information on net worth, cash flow, insurance, and employee benefits, and accounts are managed on a discretionary basis; the brochure notes the firm does not trade options.
A notable feature is that the firm’s principal is also a licensed insurance agent and may recommend commissionable insurance products, a dual role the brochure discloses and says is mitigated through fiduciary duty and client disclosure — a practice the firm characterizes as less common among independent peers. Operationally, the firm requires client custody at a single institutional custodian and generally focuses on households with substantial assets (the brochure indicates it typically will not take on new clients under about $1 million), contributing to a concentrated client base.
Client services
Portfolio management
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Fee options
$0 - $100,000: 1.50% annually $100,001 - $500,000: 0.90% annually $500,001 - $1,000,000: 0.70% annually $1,000,001 - $3,000,000: 0.60% annually $3,000,001 - $5,000,000: 0.50% annually $5,000,001+: 0.30% annually
Account minimum: $1,000,000
Main office location
Kraft Financial, LLC
1701 E Empire St. Ste 360
Bloomington IL 61704, United States
Number of offices
1
Most active in
Kraft Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Illinois · Iowa · Texas
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:
-
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.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
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.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")