Our firm was established in 2019 and consists of four partners - Michael Haman, Loren Kampschnieder, Adam Mach, and John Oestreich - who together have over 85 years of experience in financial services. Our entire practice is dedicated to serving individual investors and businesses in the context of a comprehensive financial and investment plan.
General Information |
| Firm Start Year: | 2007 | |
| No. of Employees: | 2-4 | |
| Insurance License#: | 9688693 |
| Name of Broker/Dealer: | LPL Financial |
| Name of Custodial Firm: | LPL Financial |
| Number of Years with Current Firm: | 14 |
| Work with the following types of clients: | Businesses, Individual Investors |
| Advisory Services Provided: | Financial Advice & Consulting, Financial Planning, Portfolio Management, Retirement Planning, Wealth Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Tax Advice and Services, Investment Advice & Management |
Services |
| Investment Types: | Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Insurance, Annuities, Stocks, Bonds, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Your Home, Email, Phone, Your Office, Our Offices, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Annuity |
Firm Information |
| Firm's Number of Clients: | 1400 |
| Firm's Number of Planning Clients: | 840 |
| Firm's Number of Managed Clients: | 840 |
| Assets Managed by Firm: | $450,000,000 |
| Advisor's Number of Clients: | 177 |
| Advisor's Number of Managed Clients: | 106 |
| Advisor's Number of Planning Clients: | 106 |
| Assets Managed by Advisor: | $450,000,000 (team) |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets |
| Fee % Based on Assets: | 0.75-1.5% |
| Additional Details on Charges: | Asset-based fee based on household size and complexity of the financial and investment plan. |
Education |
| BS - Biology | Hastings College
- Hastings, NE 08/2003-05/2007 |
Financial Services |
| Financial Planning for Individuals
This is our bread and butter as the individual investor is at the heart of our expertise and solutions. |
| Portfolio Management
We provide both active and passive strategies designed to suit different types of investors and the different things their plan requires. Tax-efficiency in taxable accounts is also a significant consideration. |
| Retirement Planning
We provide in depth retirement planning, beginning high level with how much, and then moving to more detailed questions of how and when. Which accounts and in what order take us from having enough to maximizing the tax-efficiency of your portfolio and plan. |
| 401K Rollovers
We can educate you on the pros and cons of rollovers and give you the tools needs to decide if/when they make sense for you. |
| Insurance Planning
We do this in the context of a comprehensive plan. |
| Estate Planning & Trusts
We don't provide legal advice, but can help in getting your assets positioned correctly with the aim to maximize both your total net worth and the your net worth after taxes. |
| Tax Advice and Services
We can help with tax-planning as it relates to the tax-efficiency of portfolios, as well how distributions from accounts can impact your total tax picture. While our advisors aren't tax preparers, we can point you in the right direction if you are in need of one. |
| Wealth Management
At the highest level, our relationship with clients is all-encompassing. Building on a foundation of a comprehensive financial plan, we then make informed decisions about the portfolio, insurance, tax-planning and tax-efficiency, retirement goals, estate goals, and ultimately being a source of connections when you have needs outside our expertise. |
| Risk Management
We don't use risk management as a portfolio strategy or to generate sales, but to make plans comprehensive and remove weaknesses where they exist. |
FAQs |
Why should I choose you as my financial advisor?If your goal is thorough answers to financial planning and retirement questions, I could be a good fit. I prefer to be detailed in not just the how much of retirement, but also the how and the why, as they can be equally important for clients to get the best results from their financial plan. |
What are your qualifications? What is your education background?I am a CFP® with over 14 years of experience in financial and investment planning. |
How are you compensated? How will I pay for your services?We can be compensated through either fees or commissions depending upon the type of relationship. We prefer to lean towards fee-based relationships, as they are longer-lasting and more comprehensive by nature, but it is the client's choice as to how they ultimately engage with us. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something?This depends upon your preference at the onset of our relationship. Accounts can be discretionary (we are allowed to buy and sell without your permission) or non-discretionary and that will be your choice. |
How many clients do you currently manage?About 175 |
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 |
Disclaimer |
| Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA (https://www.finra.org/#/)/SIPC(https://www.sipc.org/). The LPL Financial Registered Representative associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
| Mon. | 8:00 AM - 4:00 PM |
| Tue. | 8:00 AM - 4:00 PM |
| Wed. | 8:00 AM - 4:00 PM |
| Thu. | 8:00 AM - 4:00 PM |
| Fri. | 8:00 AM - 3:00 PM |
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