K
KRM Advisory Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,233,419
Clients
10
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
10
LowAverage account size
$223,342
About
KRM Advisory Services provides investment advisory and financial planning services primarily to individual clients, preparing an Investment Policy Statement for each client and offering ongoing portfolio management as well as one-time financial plans. The firm documents clients’ objectives, risk tolerance and time horizon and offers both discretionary and non-discretionary engagement options.
The firm’s investment approach combines charting, fundamental analysis and modern portfolio theory, with a long-term trading orientation and regular portfolio monitoring; typical holdings include mutual funds, ETFs, equities, fixed income, real estate funds and annuities. KRM generally seeks discretionary authority, implements IPS-driven asset allocation, and places client assets through Schwab Institutional while using the custodian’s Institutional Intelligent Portfolio tools.
Notable operational features include the firm’s small scale—managing roughly $2.23 million for about ten clients—and material outside business activities: the principal discloses a significant role as a licensed insurance sales director serving stable value products to government retirement plans (about 160 hours per month) and a small real-estate referral activity. The brochure also discloses that the adviser requires clients to use a specific custodian and states it does not accept third‑party compensation for the sale of securities to clients.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Annuities
College savings (529s, UTMA, etc.)
Fee options
$1 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.625% $10,000,001+: 0.50%
Negotiated hourly fee between $100 and $500
Main office location
KRM Advisory Services
Vista CA, United States
Number of offices
1
Most active in
KRM Advisory Services has reported serving >5 clients in these states in the last 12 months.
Arizona · California · 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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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")