At Kerns Legacy Planning, financial planning is centered around helping you simplify, organize, and align your entire financial life. This includes investment strategy, retirement planning, risk management, and long-term legacy planning—so everything works together toward your goals.

Many clients reach out when their finances become more complex—multiple accounts, growing income, or major life changes. If you’re unsure whether everything is working together efficiently, a financial advisor can help bring clarity and structure.

As a sole proprietorship, you work directly with Trey Kerns—not a large team. The focus is on building a long-term relationship, simplifying complex decisions, and creating a clear, personalized financial strategy that evolves with you over time.

We offer two ways to work together:

• A one-time financial planning review for a flat fee of $250

• Ongoing advisory services starting at 1% of assets under management, which includes planning, implementation, and ongoing reviews

This engagement includes a full review of your financial situation, organization of accounts, and personalized recommendations designed to improve clarity, efficiency, and alignment with your goals.

Ongoing clients receive:

• Investment management

• Personalized financial planning

• Ongoing monitoring and adjustments

• Semiannual reviews and continuous support

No. Many clients start with a planning engagement first. If ongoing management makes sense, we’ll guide you through that process step by step.

We primarily utilize professionally managed investment portfolios built by established asset managers. These portfolios are designed using institutional-level research, diversification, and disciplined investment strategies.

This approach allows us to focus on aligning your investments with your broader financial plan, rather than managing investments in isolation.

Yes. While most clients benefit from professionally managed portfolios, we can build custom portfolios when appropriate based on specific goals, preferences, or unique financial situations.

Our goal is to recommend the approach that provides the best balance of efficiency, diversification, and long-term consistency.

Professionally managed portfolios provide:

• Broad diversification

• Ongoing oversight and rebalancing

• Institutional research and risk management

• Consistency across market cycles

We believe successful investing is less about picking individual winners and more about maintaining a disciplined, well-structured strategy over time.

Our role is to act as your advisor and strategist. That includes:

• Selecting and monitoring appropriate portfolios

• Aligning investments with your financial plan

• Coordinating tax, retirement, and risk strategies

• Making adjustments as your life evolves

Our focus is not on short-term market outperformance. Instead, we prioritize a disciplined, long-term strategy designed to support your goals while managing risk appropriately.

Portfolios are continuously monitored, and we conduct formal reviews at least twice per year, with additional adjustments as needed.

Retirement readiness is about more than savings. We evaluate income sources, investments, tax strategy, and withdrawal planning to determine whether you’re truly on track.

Legacy planning focuses on how your assets are structured, protected, and ultimately passed on. This includes coordinating estate strategies, beneficiaries, and long-term family goals.

Yes. We help business owners align their personal and business finances, plan for future transitions, and create strategies for long-term wealth and legacy planning.

Yes. We are committed to acting in your best interest at all times.

You receive direct, consistent guidance from the same advisor who understands your full financial picture. This allows for a more personalized and relationship-driven experience.

We begin with a conversation to understand your goals and current situation. From there, you can choose between a one-time plan or ongoing advisory relationship depending on your needs.

No. There is no obligation. Our goal is to provide clarity and value so you can decide what makes the most sense for you.