Kreiner Financial Wealth Management, Inc.

Kreiner Financial provides fee‑based financial planning and consulting to individual clients, offering a menu of standalone reports and bundled planning products (for example, Income Planning, Asset Allocation/Wealth Accumulation, and Wealth Transfer bundles) and holding public seminars and workshops that are educational and offered at no charge. The firm does not custody or directly manage client assets and instead helps clients implement plans through third‑party managers when ongoing portfolio management is appropriate.

The firm’s process begins with an evaluation of a client’s situation (net worth statements, risk analysis and a documented client profile) and the delivery of tailored plans—typically within thirty days—followed by periodic reviews and ad hoc updates; when clients engage third‑party managers the advisor acts as liaison, assists with paperwork, and reviews quarterly statements. Fees charged by the firm for planning are hourly or fixed for bundles and reports, while clients who use recommended third‑party managers pay asset‑based fees directly to those managers.

Distinctive features relative to many peers include an affiliated insurance practice operated alongside the advisory business—approximately half of the principal’s time is spent in that activity and any resulting insurance recommendations and commission compensation are disclosed as potential conflicts of interest. The firm also relies on a formal referral relationship with a named third‑party manager that shares advisory fees and provides marketing and other incentives to the firm, and it does not itself assess percentage‑of‑assets advisory charges or exercise trading discretion.