VETTED
Kathleen Nemetz
MBA, CFP®, CDFA®, CPFA®
Tel: 928-460-5522 3623 Crossings Drive Suite 112 Prescott, AZ 86305
About Kathleen Nemetz
Kathleen Nemetz, MBA, CFP®, CDFA®, CPFA®, is a CERTIFIED FINANCIAL PLANNER" professional and investment manager with Stratos Wealth Partners in Prescott, Arizona. She works with clients who want to establish sounder financial foundations to pursue their dreams. Kathleen earned her MBA in Finance at Pace University in New York.
As an investment adviser representative, Kathleen offers in-depth knowledge of pre-retirement accumulation strategies and, for retirees, income generation and estate planning. She works closely with the local legal community in planning for legacy gifts, as well as the management and investment of trusts and estates. For clients who depend on their investments, she practices 'prudent man' fiduciary standards.
A former expatriate who lived in France for seven years, Kathleen also offers specialized skills in planning and investing.
About LPL Financial/ Stratos WealthAs an investment adviser representative, Kathleen offers in-depth knowledge of pre-retirement accumulation strategies and, for retirees, income generation and estate planning. She works closely with the local legal community in planning for legacy gifts, as well as the management and investment of trusts and estates. For clients who depend on their investments, she practices 'prudent man' fiduciary standards.
A former expatriate who lived in France for seven years, Kathleen also offers specialized skills in planning and investing.
Jeffrey Concepcion, Founder and CEO, launched Stratos Wealth Partners in November 2008 with a vision of creating an organization where experienced financial advisors could access the resources and support needed to serve their clients while maintaining the personal relationships central to their practices.
Stratos was built to provide advisors with a strong foundation of operational support, technology, investment resources, compliance guidance and practice-management expertise. This allows advisors to devote more of their time and attention to understanding their clients' needs and providing personalized financial guidance.
Since its founding, Stratos has grown into a national network of experienced financial advisors and financial planning professionals serving individuals, families and businesses across the country. Despite that growth, the firm remains committed to combining the capabilities of a national organization with the personal attention of a local advisor.
In 2025, Stratos entered its next chapter through a strategic investment and business partnership with SEI. The relationship expands the resources available to Stratos and its advisors while supporting the firm's continued growth and long-term vision.
See DisclosuresStratos was built to provide advisors with a strong foundation of operational support, technology, investment resources, compliance guidance and practice-management expertise. This allows advisors to devote more of their time and attention to understanding their clients' needs and providing personalized financial guidance.
Since its founding, Stratos has grown into a national network of experienced financial advisors and financial planning professionals serving individuals, families and businesses across the country. Despite that growth, the firm remains committed to combining the capabilities of a national organization with the personal attention of a local advisor.
In 2025, Stratos entered its next chapter through a strategic investment and business partnership with SEI. The relationship expands the resources available to Stratos and its advisors while supporting the firm's continued growth and long-term vision.
General Information
Firm Start Year:
1926
Insurance License#:
National insurance producer number 8395689
States Licensed in:
AZ, CA, GA, TX, WA, WV
Communities served:
Prescott, Prescott Valley, AZ, and Chino Valley, AZ, as well as clients located nationally.
Number of Years with Current Firm:
6
Work Experience:
Stratos Wealth Partners, Ltd. (Investment Adviser) / LPL Financial LLC (Broker-Dealer), Prescott, AZ: 2019 - Present McClurg Capital Corporation, San Rafael, CA: 2013 - 2019 Ameriprise Financial Services, Inc., San Francisco, CA: 2009 - 2013 Ameriprise Advisor Services, Inc., San Francisco, CA: 2006 - 2009 Merrill Lynch, Pierce, Fenner & Smith Inc., Mill Valley, CA: 2005 - 2006
Work with the following types of clients:
Individual Investors, Businesses
Foreign Languages Serviced:
French
Advisory Services Provided:
Estate Planning & Trusts, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, Wealth Management, Financial Planning for Individuals, Investment Advice & Management
Qualifications & Memberships
Insurance and Annuity Licenses:
Life, Annuity, Variable Annuity, Variable Life
Services
Investment Types:
Stocks, Annuities, Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Insurance, Bonds
I provide a free initial consultation:
Yes
Preferred meeting methods
Can meet clients in the following ways:
Our Office, Phone, Email, Video Conference
Compensation and Fees
Fee Structure:
Fee-Based
Minimum Portfolio Size for New Managed Accounts:
$200K
Compensation Methods:
Based on Assets, Commissions
Additional Details on Charges:
My percentage fee charged to assets under management drops for accounts over $1 million in size. Also I use separately managed accounts managed by outside investment teams on the LPL Platform and fees for these can be higher, depending on the nature of the accounts. Fees for insurance products can vary widely, according to the type of product.
Firm Information
Advisor's Number of Clients:
100+
Advisor's Number of Managed Clients:
90
Advisor's Number of Planning Clients:
3
Total Assets Under Management by Advisor:
$32M
Education
MBA Finance - Portfolio Management:
Pace University - White Plains, NY
10/7/1988 - 01/15/1990
Portfolio Management
Kathleen provides investment management for individuals, retirees, trusts and estates. For clients who depend on the income from their investments, she practices 'prudent man' fiduciary standards.
Retirement Planning
Kathleen helps pre-retirees with accumulation strategies and helps retirees with income generation so they can establish solid financial foundations to realize their dreams.
Estate Planning & Trusts
Kathleen works closely with the local legal community in planning for legacy gifts, as well as the management and investment of trusts and estates.
Insurance Planning
Some clients want to shift part of the risk of their investment decisions to an insurance company, especially if the clients want a guaranteed outcome. I can help identify what's appropriate for various situations that can offset the catastrophic effect of a loss of a spouse, for instance, or to provide estate payouts in lieu of an inheritance. Businesses can use insurance to buy out the stake of a deceased founder or key person, to continue the business in operation after his or her death.
Annuities
Kathleen's custodian, LPL Financial, represents many insurance carriers, and offers advisor focused tools to help select which carrier may be the best fit for a given set of circumstances or risk ratings.
Tax Advice and Services
I refer clients to local licensed tax preparers and accountants as needed. I steer clients in higher tax brackets toward investment management strategies that can lower their tax exposure. For estate planning clients, I encourage them to use licensed fiduciaries and attorneys to prepare necessary documents to avoid costly court visits for themselves and heirs.
Investment Advice & Management
As a certified financial planner Kathleen puts client interests first. That said, she can help clients achieve budgetary and investment goals to put away more toward long term milestones. She can also help clients determine an acceptable risk tolerance for progressing goals subject to age, career or life cycle milestones.
Wealth Management
For high net worth clients, Kathleen seeks out tax mapping strategies to determine which investments belong in tax deferred accounts, tax free Roth IRA accounts, and taxable accounts. She helps qualified clients navigate the various alternative investments they may choose for possibly lowering volatility and for achieving investment milestones within a large scope framework. LPL Financial, through its institutional relationships, offers a great deal of breadth for instance in private credit, private real estate investment trusts, hedge funds, and private equity.
Disclosures
WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
LPL ADV 2A
https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf
Additional Detailed Disclosures
https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-lpl-detailed-disclosures.pdf
22 Years of Experience
CRD# 4887008Firm CRD# 6413Insurance License# National insurance producer number 8395689Series:, 66, 7
Compliance
Registered Investment AdvisorYes
Registered RepresentativeYes
Investment Advisor RepresentativeYes
Acknowledged fiduciaryYes
Compliance Disclosures in Last 5 yearsI have a clean record
Criminal Disclosures in Last 5 yearsI have a clean record
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