Kastler Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$302,162
Clients
5
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
5
LowAverage account size
$60,432
About
Kastler Financial Planning is a fee-only, state-registered advisory firm that provides financial and retirement planning and, when engaged, investment management for individual clients — with a primary focus on clients in or approaching retirement. Services include one-time and limited-scope planning engagements, recurring (ongoing) planning support, and referrals to third‑party professionals for tax, legal, or insurance needs.
The firm’s investment framework is grounded in Modern Portfolio Theory and a predominantly passive approach that uses index mutual funds and ETFs; when it provides investment management it operates through a major custodian and can manage accounts on a discretionary basis. For planning work the firm commonly uses fixed, tiered, and hourly billing and often delivers a written or electronic financial plan within a defined timeline, with the option for ongoing, advice‑only support where clients implement recommendations themselves.
Compared with many peers, Kastler Financial Planning routinely offers educational seminars, speaking engagements, and published materials for groups and the public, and may serve as a consultant to other advisory firms — activities that are less common among independent solo advisors. The firm also departs from the typical advisor billing model by not relying on percentage-of-AUM fees, instead favoring flat-fee, tiered and hourly arrangements, and operates with a small, boutique client base and relatively modest assets under advisement.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Retirement income strategy
Social Security optimization
Cash flow / budgeting
Demographic focus
Approaching retirement
Fee options
Fixed fees for Financial Planning services; Limited Scope Financial Planning fees range from $500 to $11,250; Financial Plan Updates generally 30% of original plan price; Educational Seminars fees range from no charge to $5,000; Speaking Engagements fees range from no-charge to $5,000 plus travel expenses
$0 - $250,000: 1.50% annually $250,001 - $500,000: 1.25% annually $500,001 - $1,000,000: 1.00% annually $1,000,001+: 0.50% annually
$189 per hour for Financial Planning Hourly Fee services
Minimum fee: Starting minimum fee schedule for Financial Planning services; initial fee no greater than $500 for On-going Financial Planning Fee-only: Firm is fee-only; all compensation is from clients for services; no commissions received
Main office location
Kastler Financial Planning
Ortonville MI, United States
Number of offices
1
Most active in
Kastler Financial Planning has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
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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
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