Financial planning for the life you’re building.
Fee-only financial planning and investment management | Lebanon, Cincinnati & Dayton
You’re balancing work, family, retirement, taxes, investments, and perhaps rental property. KLD Wealth helps connect those decisions in a plan you can understand and put to work.
Straight answers first
What do you want to know before we talk?
Open the question on your mind. We will give you a useful answer here and a way to explore the details.
Have a different question? Email our team.
01How much does working with KLD cost?
Ongoing planning starts at $200 per month for a single client or $300 per month for a married couple. Your final fee depends on the work involved. Investment management has progressive asset-based tiers. When KLD manages at least $500,000 on its investment platform, the separate planning fee is estimated at $0.
These are starting points, not a quote. The calculator shows an estimate for your situation, and we confirm the exact services and fee in writing.
02Can I get planning without moving my investments?
Yes. You can engage KLD for ongoing financial planning without including investment assets for us to manage. If you have a specific, limited question, hourly planning may also be available. We agree on the scope before work begins.
03Should I stay with my current advisor or make a change?
Start with what you receive, what you pay, and whether your advisor helps connect retirement, taxes, investments, and other decisions. If that relationship works well, staying may make sense. If important questions keep going unanswered, it may be worth comparing the scope and approach before you decide.
04Do I need a planner, or can I keep doing this myself?
Managing your finances yourself can work well if you have the time, interest, and a process for checking your decisions. Help becomes more useful when tax choices, retirement income, investment risk, benefits, family needs, or rental properties start affecting one another. The question is whether outside perspective and ongoing coordination would be worth the fee to you.
05What are the drawbacks, and when is KLD a poor fit?
Good planning takes your time and attention. You will need to share information, consider tradeoffs, and pay a fee. It cannot guarantee an investment result or remove every risk. If you mainly want stock tips or short-term market calls, KLD's planning approach is unlikely to fit. If you only need help with one defined question, hourly work may fit better than an ongoing relationship.
06What happens after I book an initial interview?
We start with a short interview about your goals and questions. If there may be a fit, you complete an intake form and meet with us for Discovery. We then present your plan and written proposal in a Strategy Session. You have time to review both before a separate decision call.
Find your starting point
Which situation feels most familiar?
Choose one to see the questions we would work through with you. You can switch between them without entering any information.
Responsible for a company's retirement plan?
Explore 401(k) plan consulting →What planning actually connects
One decision can touch your whole financial life.
Choose a question to see the moving parts behind it. This is how we think about a coordinated plan: we look beyond the one account or transaction in front of you.
These examples illustrate planning questions, not individual advice. The work included in your plan depends on your engagement and circumstances.
How ongoing planning works
What do we review throughout the year?
Your plan has a rhythm. Select a season to see the question we focus on, what we may review, and the decision or next step we want to clarify.
The KLD Total Wealth Method
What happens after I reach out?
You should know the path before you book a call. Open each step to see what we ask of you, what we do, and what happens before you decide whether to work together.
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Initial interviewTell us what brought you here. We see whether working together may make sense.About 20 minutes
Your partShare what feels unresolved and what a better outcome would look like. Bring your spouse or partner if you make these decisions together.
Our partListen, answer questions about our process, and discuss whether there is enough fit to keep going.
NextIf we agree to continue, we send an intake form and schedule the Discovery meeting.
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Discovery meetingWe look closely at your situation before building a plan.About 30 minutes, after you complete the intake form
Your partComplete the intake form and tell us about your accounts, goals, questions, and concerns as accurately as you can.
Our partReview your answers, fill in gaps, and make sure we understand the decisions that matter most to you.
NextWe use what we learn to build your initial plan and schedule the Strategy Session.
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Strategy sessionSee the plan, the tradeoffs, and the written proposal.About 90 minutes
Your partAttend with anyone who shares the decision. Ask what you disagree with, what feels unclear, and how the recommendations would work in real life.
Our partWalk through your plan and explain the proposed services and fee. We send a one-page plan summary and written proposal after the meeting.
NextYou have time to review everything. We do not ask for a decision in this meeting.
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Time to decideBring your questions back after you have had time to think.About 30 minutes, usually 1 to 3 days later
Your partReview the plan summary and proposal, then tell us if your answer is yes, not yet, or no.
Our partAnswer remaining questions and clarify what the proposed relationship includes.
NextIf you choose to move forward, we send the agreement and arrange onboarding. If you are not ready, we agree on a clear next step.
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OnboardingGet comfortable with your plan, accounts, and how to reach the team.About 45 to 60 minutes, after your agreement is in place
Your partComplete the account and billing setup that applies to your engagement, and bring any questions about using the client portal.
Our partWalk you through your planning portal and, when applicable, investment accounts. We explain how reviews and communication work.
NextYou know where to find your plan and documents, whom to contact, and when to expect your first seasonal review.
Check the facts
How can I verify KLD before hiring you?
These are useful questions to ask any financial advisor. Open each one for KLD's answer and a place to check it yourself.
How do you get paid?Look at the fees, then ask what else you might pay.
Who is qualified to advise me?Check the professional credential and ask who will do the work.
What does the public record show?Review services, fees, conflicts, and disclosures before signing.
Use the same questions when comparing other advisors. If a fee, credential, or disclosure is unclear, bring it to the initial interview.
Ask us directly →Straight answers from KLD Wealth
Questions to ask before working with us
What happens first? What does it cost? What could go wrong? Explore the details at your own pace, then decide whether a conversation would help.
01 / Before we begin
Getting started
Know what to expect before you put a meeting on the calendar.
01Do I need to send statements before our first conversation?
No. The initial interview is a 20-minute Zoom conversation about your goals, questions, and whether working together may make sense. There is no questionnaire, document request, or need to share account balances beforehand. If we agree to continue, we send the intake after that call.
02Should my spouse or partner join the first call?
Yes, if you make these decisions together. Having both decision-makers in the conversation helps us hear both sets of priorities from the start, even when one person usually handles the money.
03When will I see a plan, a fee, and a decision point?
After the interview, you complete an intake and meet with us for Discovery. We then walk through your plan, tradeoffs, and a written proposal in the Strategy Session. We do not ask you to decide during that meeting. A separate decision call gives you time to review what you saw and ask follow-up questions.
02 / Cost and commitment
Fees and scope
Separate the estimate, the services, and the other costs you may pay.
04Is there a minimum amount I need to invest?
KLD's published pricing says there is no investment minimum. You can engage us for planning without moving investments. Fees still apply to the service you choose: ongoing planning starts at $200 per month for a single client and $300 per month for a married couple, with the final fee based on scope and complexity.
05Can I pay for help with one decision?
Yes, for an agreed, limited scope. KLD lists hourly planning at $194.90 per hour for focused work outside an ongoing engagement. You and the team agree on the question, deliverable, and fee terms in writing. Hourly work does not include ongoing reviews or investment management unless separately agreed.
06If KLD manages $500,000, is financial planning free?
The separate planning fee is estimated at $0 when KLD manages at least $500,000 on its investment platform. Investment management fees still apply, so the total service is not free. The pricing calculator shows an estimate; your written agreement confirms the actual fee and scope.
07What costs might I pay besides KLD's fee?
The pricing calculator does not include possible fund expenses, trading costs, custodial charges, or other third-party fees. Those depend on the investments and accounts involved. Ask us to explain the total cost you would bear, including any costs outside our advisory fee, before signing.
03 / What the work covers
Planning in practice
A plan is useful when it helps with real decisions, not just a set of projections.
08How is financial planning different from investment management?
Financial planning connects decisions about cash flow, retirement, taxes, benefits, insurance, family goals, and investments. Investment management focuses on the design, monitoring, and rebalancing of accounts we manage. You can choose planning without transferring assets. The written engagement explains which work KLD will do for you.
Explore financial planning → Explore investment management →
09How often will we revisit the plan?
For ongoing planning, KLD uses four seasonal reviews to revisit the decisions that matter at different points in the year. Topics may include goals and cash flow, the filed tax return, investments and risk, and year-end choices. Your actual review topics depend on your situation and engagement. A focused hourly project does not include that ongoing cycle.
10Can planning include rental property or stock compensation?
Yes, when those decisions are part of the agreed scope. For a rental, we can examine cash flow, debt, reserves, concentration, and the keep-or-sell tradeoff. For stock awards, we can map timing, potential taxes, cash needs, and company-stock concentration. Complex property, business, or equity issues can affect the fee and may call for your tax or legal professional's input.
04 / Make a clear choice
Compare with confidence
Look at limits and tradeoffs as carefully as the potential benefits.
11Can a values-based portfolio limit my options?
It can. Preferences about industries, fund holdings, or impact may narrow the investment choices available. We would discuss how a preference affects diversification, costs, risk, and the goal the money needs to serve. No investment approach can promise the same return with fewer tradeoffs.
12Can you guarantee better returns or a lower tax bill?
No. Markets, tax rules, and your circumstances can change. We can compare options, explain assumptions, and help you make a deliberate decision, but a plan cannot eliminate investment risk or promise a particular tax result. Bring specialized tax and legal questions to the professionals responsible for those areas.
13How should I compare KLD with another advisor?
Ask each advisor who pays them, what your total cost would be, which services are included, who handles the work, and how often you will revisit the plan. Review their public disclosures and credentials, then compare how each approach fits the questions you need answered. If your current relationship is meeting your needs, changing may not be worth the effort or cost.
Review KLD's public adviser record → Verify a CFP® professional →