Kral Financial Advisors, LLC is a registered investment advisor based in Plymouth, Michigan, established by Kevin T. Kral in 2006. The firm provides objective financial planning, investment management, and consultation services to individuals, high net worth individuals, trusts, and estates. Kral Financial Advisors focuses on building, managing, and preserving wealth using a long-term, buy-and-hold philosophy primarily implemented through no-load mutual funds and exchange-traded funds. The firm emphasizes asset allocation to balance risk and return based on each client's individual needs, time horizon, and risk tolerance. In addition to investment management, the firm offers hourly financial planning and project-based consulting covering comprehensive financial planning, retirement planning, tax planning strategies, estate planning, and business continuation. The firm operates on a fee-only compensation structure, meaning it does not accept commissions for implementing portfolio investments.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 0.80% |
| $500K - $1.0M | 0.70% |
| $1.0M - $1.5M | 0.60% |
| $1.5M - $2.0M | 0.50% |
| $2M+ | 0.40% |
Fees may be negotiated in certain circumstances. Cash and money market balances in non-retirement accounts are excluded from fee calculations.