Our Mission

 

 

As a fee-only financial planning firm serving the greater Chicagoland area  and beyond, we provide a comprehensive framework to help you understand how different choices impact your financial security. Our philosophy is rooted in understanding our client's unique goals, whether you're planning for retirement, managing competing financial priorities mid-career, or navigating how to manage your wealth better and leave a legacy.

We create personalized financial plans that reach beyond the basics, addressing the complex needs of professionals and retirees.

From retirement analysis to comprehensive financial planning including tax strategies, we're committed to providing unbiased, expert guidance.

Services

 

Comprehensive Wealth Management

We provide comprehensive wealth management – acting as your personal CFO. Our team helps guide your financial plan, manage your portfolio, and works with you in an ongoing capacity to continually align your wealth with your goals.

 

Investment Management 

Our advanced investment management approach combines strategic asset allocation with tax-savvy investing, creating a powerful engine to drive your financial goals. We monitor market developments and use innovative strategies to craft dynamic portfolios.

 

One-Time Plans

Whether you're pondering retirement, want to maximize your investments, or seek to secure your family's future, our one-time plan provides crystal-clear direction. It's more than just a plan – it's your first step towards financial confidence.

Want to learn more about our services? View our full service comparison here!

Chicago-Based. Nationwide Presence

We’re based in Western Springs, Illinois, and serve much of the greater Chicagoland area. Many of our clients are located in the Western Chicago suburbs, including Western Springs, La Grange, Hinsdale, and Oak Brook. However, we also have the ability to work 100% virtually, and have clients nationwide.

How We Charge

We’re a fee only financial planning firm – which means that our compensation comes directly from you, not commissions. This transparent approach allows you to focus on the solutions and alternatives presented, knowing there's only one motive behind our recommendations: to serve your needs and objectives.

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Our Team

Blog

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Resources

 

Economy/Market Graphs

View an economic calendar published by Econoday and a series of graphs that will keep you up-to-date on the latest market trends.

 

Presentations/Videos

See the presentations, podcasts and videos I have created that will help you to understand financial planning, investment strategy and the market. 
 

 

Library

Read our recent newsletters, see some of my favorite podcasts and find links to protection programs like FDIC insurance, Social Security and other market data.
 

 

FAQ

Q

Are you a fiduciary?

Yes, as a Registered Investment Advisor (RIA) and Certified Financial Planner (CFP®) Kirk and his team at Pebble Valley Wealth Management are required to follow the fiduciary standard to always put the client’s interests first, to act with utmost good faith, to provide full and adequate disclosure of all material facts, to not mislead clients and to expose conflicts of interests.   

We understand that trust must be earned and will work diligently to build and maintain that trust. Our advisors, Kirk and Alli, also hold multiple professional designations between the two of them—Certified Financial Planner (CFP®), Chartered Financial Advisor (CFA), and Fellow of the Society of Actuaries (FSA)—and abide by and deliver that professionalism to you. Learn more about our advisors in their bios.

Q

How do you get paid?

Pebble Valley Wealth Management is a fee-only financial planning firm. We charge a percent of assets under management or a flat fee quarterly, depending on the service provided. The custodian will charge a small commission for buying and selling securities which is deducted directly from your account held at the custodian as part of the trade. To minimize custodian fees, we use low-cost funds as much as possible. That means that our fees, and the fees of our custodian, are 100% transparent. We firmly believe in no hidden costs, and ensuring our clients always know what to expect.

Q

Do you have any minimum financial requirements to engage your services?

Our minimums start with $150,000 for Investment Management and $500,000 for Comprehensive Financial Management. For balances below $500,000 we offer Base Financial Planning services.

Q

Do I retain custody of assets?

Yes, you will always retain custody of your assets and have full legal control. For accounts we are managing, you grant us discretionary trading authority within the account. We currently use Charles Schwab and Altruist as our primary custodians.

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Ready to start your financial planning journey? Schedule a call with us today! We can’t wait to help you work toward your financial goals.