Pebble Valley Wealth Management

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Client assets under management

$126,942,910

Clients

42% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$1,308,690

About

Pebble Valley Wealth Management provides discretionary investment management and comprehensive financial planning to individual and high-net-worth clients, as well as retirement plans. The two-advisor firm manages roughly $129 million across about 97 client relationships and offers ongoing portfolio supervision and retirement-account fiduciary advice.

The firm constructs asset-allocation portfolios primarily using low-cost mutual funds and ETFs, supplemented by individual stocks, bonds, and cash positions as needed, and employs both fundamental and technical analysis with a generally long-term orientation. PVWM also uses option contracts and other derivatives within separately managed accounts for hedging and tactical purposes and will retain legacy holdings or adjust positions for tax or client-specific reasons.

PVWM’s explicit use of derivatives in discretionary client accounts is uncommon among similar supported firms, and its advisory team includes credentialed specialists such as an actuary (FSA) and a CFP professional, reflecting a mix of quantitative and planning expertise. The firm recently transitioned to SEC registration and discloses custodial practices that include direct fee deduction and independent surprise examination procedures where it has access to client login credentials.

Client services

Financial planning Portfolio management

Expertise

Equity compensation tax strategy Options & derivatives strategies Tax-loss harvesting

Fee options

Percentage

$0 - $500,000: 0.70% annually plus $2,200 fixed annual planning fee billed quarterly (Comprehensive Planning below $500k) $0 - $250,000: 0.75% annually (Investment Management below $250k using ETFs only, $750 minimum fee per year) $0 - $1,000,000: 1.00% annually (Comprehensive Financial Planning with Investment Management) $1,000,001 - $3,000,000: 0.75% annually (Comprehensive Financial Planning with Investment Management) $3,000,001+: 0.50% annually (Comprehensive Financial Planning with Investment Management) $250,000 - $1,000,000: 0.75% annually (Investment Management Services) $1,000,001 - $3,000,000: 0.60% annually (Investment Management Services) $3,000,001+: 0.45% annually (Investment Management Services)

Other

Account minimum: $500,000 Minimum fee: For assets below $500,000 under Comprehensive Financial Planning with Investment Management, fixed annual planning fee of $2,200 billed quarterly plus 0.70% annually on assets under management with a $750 minimum asset-based fee per year. For Investment Management Services below $250,000, minimum fee of $750 per year billed quarterly. Fee-only: Fixed fee financial planning engagements ranging from $4,100 to $10,000 per engagement based on net worth and complexity.

Main office location

Pebble Valley Wealth Management

4365 Lawn Avenue, Suite 5

Western Springs IL 60558, United States

Number of offices

Most active in

Illinois · Nebraska · Texas

Disclosures

Business activities & affiliations

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Facebook X Website 708-246-2366

Advisors at this firm

Kirk K

CFP®, CFA®

Western Springs, IL

Pebble Valley Wealth Management

Kirk Kreikemeier is a CFP® and CFA® with 18 years of experience in financial advising. He has worked at Pebble Valley Wealth Management since 2008, where he is one of two advisors. Pebble Valley Wealth Management serves individual, charitable, and corporate clients, offering discretionary portfolio management, financial planning, and pension consulting. The firm’s investment approach focuses on asset allocation and mutual fund/ETF selection, with a notable use of derivative-based option strategies and selective digital-asset exposures within client portfolios.

Equity compensation tax strategy Options & derivatives strategies Tax-loss harvesting

Allison M

CFP®

Western Springs, IL

Pebble Valley Wealth Management

Allison Meers is a CFP® professional with four years of industry experience. She has worked at Pebble Valley Wealth Management since 2021 and previously was with CIBC from 2012 to 2021. Pebble Valley Wealth Management serves individual, charitable, and corporate clients, offering discretionary portfolio management, financial planning, and pension consulting. The firm’s investment approach includes asset allocation and mutual fund/ETF selection supported by technical analysis and third-party research, with a notable use of derivative-based option strategies within separately managed accounts.

Equity compensation tax strategy Options & derivatives strategies Tax-loss harvesting

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