Kruse Financial Strategy
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
83
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
83
Very HighAverage account size
$0
About
Kruse Financial Strategy provides fee-only, personalized and confidential financial planning services for individuals, families, and small businesses. Although the ADV lists those client types, the firm does not serve individual (non–high‑net‑worth) retail clients, a client mix that differs from many independent peers.
The firm delivers comprehensive and limited‑scope planning on a fixed‑ or hourly‑fee basis and does not manage client assets or take custody of funds. When clients request investment guidance, recommendations are generally limited to mutual funds, ETFs, bond funds and CDs—often with a strong emphasis on socially responsible investing—and implementation support may be provided for up to one year without additional charge.
Notable distinctions include its strict fee‑only approach that excludes percentage‑of‑assets fees and any commission or third‑party compensation, and its explicit omission of portfolio management services for individuals. The practice also limits specific security selection to pooled vehicles and refers clients to third‑party managers for stock, bond or options strategies, reflecting a planning‑centric, CFP‑led advisory model.
Client services
Financial planning
Expertise
General retirement planning
Cash flow / budgeting
General tax planning
Charitable giving & philanthropy
Fee options
Fixed fees generally range from $3,500 to $10,000 for a financial plan
$300 per hour
Fee-only: Fixed fees generally range from $3,500 to $10,000 for a financial plan; hourly fees are $300 per hour.
Main office location
Kruse Financial Strategy
720 Southpoint Blvd, Suite 201
Petaluma CA 94954, United States
Number of offices
1
Most active in
Kruse Financial Strategy has reported serving >5 clients in these states in the last 12 months.
California
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.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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.
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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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