Kammeraad Financial Group

What Kammeraad Financial Group does

Kammeraad Financial Group, LLC is a privately held, family-owned financial advisory firm headquartered in Holland, Michigan, founded by Jeff Kammeraad and operating since 2016 with a three-person advisory team that includes his wife Valerie Kammeraad and son Zachary W. Kammeraad (who joined in 2022). The firm delivers holistic financial planning, investment management, protection/insurance, and business planning services to individuals, families, and business owners across multiple life stages and company sizes, with a stated emphasis on customized plans rather than standardized solutions. Services are tiered across Foundational Strategies (entry-level insurance and investment analysis), Ongoing Financial Planning, High Complexity Ongoing Financial Planning, à la carte individual services, and a dedicated Business Planning vertical covering entity structure, 401K, and employee benefits.

The firm operates on a traditional advisory technology stack with no proprietary platform; client-facing tools are provided through third-party integrations including Investor 360, eMoney Advisor, Capital Group/American Funds, Wealthscape Investor, and MassMutual. Securities and investment advisory services are offered through qualified registered representatives of MML Investors Services, LLC (a MassMutual affiliate), which serves as the firm's broker-dealer and supervisory relationship; Kammeraad Financial Group is explicitly not a subsidiary of MML Investors Services.

The revenue model combines percentage-based investment management advisory fees (0.60%-1.20% of AUM, tiered by portfolio size and complexity) with annual financial planning fees ($500-$3,500 depending on complexity), both billed on a subscription/recurring basis. There are no stated asset minimums and no charge for initial consultations. Go-to-market is sales-led and relationship-based, anchored in the West Michigan community, with multi-state licensing (insurance in 11 states, securities in 15+ states), content marketing via blog, social media presence across seven platforms, and Calendly-driven online meeting scheduling.

Name

Kammeraad Financial Group

Legal name

Kammeraad Financial Group, LLC

Website

https://kammeraadfinancial.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Kammeraad Financial Group is a family-owned financial advisory firm in Holland, Michigan, providing holistic financial planning, investment management, insurance, and business planning services to individuals, families, and business owners across the West Michigan region and additional licensed states.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Financial planning services
• Investment advisory
• Retirement planning
• Wealth management
• Estate planning

Headquarters

HQ city

Holland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Investment Management Advisory Fees: The firm charges a percentage-based advisory fee on assets under management. Total investment management advisory fee ranges from 0.60% to 1.20% depending on the size, customization, and complexity of the portfolio.
2. Financial Planning Fees: The firm charges an annual financial planning fee ranging from $500 to $3,500 depending on the level of complexity of the client's planning needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Kammeraad Financial Group is a family-owned financial advisory practice in Holland, Michigan that delivers holistic, customized financial planning for individuals, families, and business owners. Core services include Foundational Strategies (entry-level insurance and investment analysis), Ongoing Financial Planning (comprehensive planning across investments, retirement, tax, and protection), High Complexity Ongoing Financial Planning, Individual Services offered à la carte, and Business Planning Services (entity structure, risk/liability management, 401K, and employee benefits). Securities and investment advisory services are offered through registered representatives of MML Investors Services, LLC (Member SIPC).

Product overview

Kammeraad Financial Group is a financial advisory firm offering a tiered service model for individuals, families, and business owners. Their core offerings consist of Foundational Strategies (entry-level insurance and investment analysis), Ongoing Financial Planning (comprehensive holistic planning), and High Complexity Ongoing Financial Planning (advanced multi-professional planning). They also offer à la carte individual services and dedicated Business Planning Services. The firm operates as a family practice and provides services through MML Investors Services, LLC for securities and investment advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• Foundational Strategies Entry-level financial service offering for clients who want insurance or investment services without engaging in ongoing comprehensive financial planning. Includes insurance analysis and strategy, and investment analysis and strategy.
• Ongoing Financial Planning Comprehensive ongoing financial planning relationship that examines the client's whole financial situation including investments, retirement, income tax, and protection strategies. Designed for individuals and families seeking a holistic, customized plan.
• High Complexity Ongoing Financial Planning Advanced planning tier for clients with complex needs requiring multiple professionals. Includes all elements of ongoing financial planning plus advanced planning, executive planning, and coordination with outside professionals.
• Business Planning Services Business-focused financial planning covering entity structure, ownership planning, risk and liability management, and compensation and employee benefit strategy including 401K planning. Targeted at business owners seeking to strengthen and protect their business.
• Individual Services (à la carte) Standalone money management, protection, and investment services offered separately from packages for clients not engaging in full ongoing financial planning.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

One partnership is on record.

• MML Investors Services, LLCcoreChannel Partner/ Reseller/ DistributorSecurities and investment advisory services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. This is a primary affiliation that enables the firm to offer regulated securities products. The firm is not a subsidiary or affiliate of MML Investors Services.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Edelman Financial Engines: Large independent RIA providing financial planning, investment management, and retirement-plan services to a broad HNW/mass-affluent client base. Overlaps on planning-led model but operates at much greater scale and with proprietary technology.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting independent financial advisors with planning, investment, and insurance solutions. Comparable affiliation model to Kammeraad's MML relationship, serving similar advisor-client dynamics.
• Creative Planning: Large RIA delivering holistic financial planning, investment management, tax, and estate services to individuals and business owners. Comparable in service breadth and tiered planning approach; materially larger AUM and national footprint.

Direct peers

• Carson Group: Wealth management firm providing holistic financial planning, investment advisory, and business-owner services through affiliated advisors — closely aligned on the comprehensive-planning value proposition for individuals and business owners.
• Benjamin F. Edwards & Co. Private, employee-owned wealth management and investment firm providing planning, investment, and brokerage services to individuals, families, and business owners — highly comparable in size, private structure, and holistic advisory model.
• Buckingham Strategic Wealth: Independent RIA focused on holistic, fee-only financial planning for individuals and families, with academic evidence-based investing approach. Highly comparable service model and target clientele, though larger in scale.
• North Star Resource Group: Independent financial services firm offering financial planning, retirement, and wealth management to individuals and business owners. Comparable in independent-advisor model, business-owner focus, and family-practice feel.
• Mariner Wealth Advisors: Independent, fee-based wealth advisory firm offering comprehensive financial planning, investment management, and business-owner services to HNW households — directly comparable in holistic-planning model and client mix, though at significantly larger scale.

Emerging players

• Facet Wealth: Digital-forward RIA offering flat-fee financial planning and investment management to HNW households nationwide. Comparable planning-centric approach with transparent flat pricing — a structural threat to traditional AUM-based regional advisors.

Others

• MML Investors Services (MassMutual): Broker-dealer and RIA through which Kammeraad delivers securities and advisory services. Directly comparable as the firm's platform/affiliation partner and as a sibling to other MassMutual agency practices with similar holistic-planning models.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/kammeraadfinancial
• Facebookfacebook.com/kammeraadfinancial
• LinkedInlinkedin.com/company/kammeraad-financial-group
• Instagraminstagram.com/kammeraadfinancial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kammeraad Financial Group