• 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.

  • 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.

  • 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.