T & M Financial Inc.

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Client assets under management

Clients

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Average account size

—

About

T&M Financial provides financial planning, financial consulting, and asset-allocation recommendations rather than discretionary asset management; the brochure states the firm does not manage client accounts or report assets under management. The firm identifies individuals and families, high-net-worth individuals, and corporations or business entities as client types and describes gathering retirement and plan-specific information, indicating it may provide consulting related to employer-sponsored retirement or profit‑sharing arrangements.

The firm’s advice is delivered through a structured planning process (the Comprehensive Financial Planning System) and uses third-party research tools such as Morningstar to evaluate investments by risk, cost, and performance; recommendations typically emphasize long-term allocation among cash, fixed income, and equity exposures. Reviews are offered periodically and implementation is generally executed through custodians or third-party providers rather than through in‑house trading, with planning engagements billed on an hourly basis.

Noteworthy differences from many investment-manager peers include the firm’s affiliations with a broker‑dealer and its insurance activities: advisory representatives are also registered with an affiliated broker‑dealer and are licensed insurance agents, and the brochure discloses that staff devote a material portion of time to offering commissionable securities and insurance products—arrangements that can introduce conflicts not present at fee‑only, AUM‑based managers. The brochure also discloses past administrative filings and a stipulation agreement related to regulatory reporting, and the firm explicitly positions itself as a planner and referral source rather than as a traditional asset manager.

Client services

Financial planning Pension consulting

Expertise

College savings (529s, UTMA, etc.)

Fee options

Commissions

Commissions earned on securities and insurance products if clients implement recommendations through affiliated broker/dealer or insurance agents; amounts vary.

Project-based

$120 per hour

Other

Fee-only: $120 per hour

Main office location

T & M Financial Inc.

3706 Sw Topeka Blvd., Suite 400

Topeka KS 66609, United States

Number of offices

Most active in

Kansas

Disclosures

Business activities & affiliations

Is 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.

Is not active or affiliated with:

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

Quick links

Website 785-266-8333

Advisors at this firm

Kristopher M

Series 63

Topeka, KS

T & M Financial Inc.

Kristopher Miller is a financial advisor with T & M Financial Inc. in Topeka, KS, holding a Series 63 designation and 28 years of industry experience. He has worked at T & M Financial since 1997 and has also been associated with Tandem Advisors, Inc. and Tandem Securities, Inc. since 2006 and 2007, respectively. Outside of his advisory role, he is involved in property rental management. T & M Financial provides financial planning, consulting, and asset allocation recommendations to individuals, families, high-net-worth clients, and business entities, focusing on planning and referrals rather than discretionary asset management. The firm utilizes comprehensive client evaluations and research tools to recommend long-term investment strategies implemented through client-selected custodians or recommended providers.

College savings (529s, UTMA, etc.)

Faron B

Series 63, Series 65

Topeka, KS

T & M Financial Inc.

Faron Barr is a financial advisor with T & M Financial Inc. in Topeka, KS, holding Series 63 and Series 65 designations and with 22 years of industry experience. He has been with T & M Financial since 2003. Outside of his advisory work, Barr serves as a board member and has been president of the Topeka South Rotary, a nonprofit professional organization. T & M Financial provides financial planning, consulting, and asset-allocation recommendations to individuals, families, high-net-worth clients, and business entities. The firm emphasizes planning and referrals over discretionary asset management, using detailed client information and research tools to recommend long-term investment strategies implemented through client-chosen custodians.

College savings (529s, UTMA, etc.)

Richard M

Series 63, Series 65

Topeka, KS

T & M Financial Inc.

Richard Miller is a financial advisor at T & M Financial Inc. with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with T & M Financial since 1998. Miller also has a long-standing background in insurance sales, working as an agent since 1972. T & M Financial provides financial planning, consulting, and asset-allocation recommendations to individuals, families, high-net-worth clients, and businesses. The firm emphasizes planning and referrals over discretionary asset management and uses a long-term, buy-and-hold investment approach.

College savings (529s, UTMA, etc.)

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