Pebble Valley Wealth Management

What Pebble Valley Wealth Management does

Pebble Valley Wealth Management is a fee-only Registered Investment Advisor (RIA) headquartered in Western Springs, Illinois, serving high-net-worth professionals and retirees in the greater Chicagoland area and nationwide through virtual delivery. Founded in 2008 and operating with a three-person team led by Principal Kirk A. Kreikemeier (CFP®, CFA, FSA), the firm delivers three integrated service tiers: Comprehensive Wealth Management (acting as the client's personal CFO, minimum $500K investable assets), Investment Management (strategic asset allocation with tax-savvy investing, minimum $250K), and a One-Time Plan (a standalone comprehensive financial plan for prospective clients). Lower-tier services (ETF-only Investment Management and Base Financial Planning) are offered for clients below the minimums.

Revenue is generated through subscription/recurring AUM-based percentage fees billed quarterly, with a flat-fee quarterly alternative for certain engagements, both qualifying as fee-only (no commissions). The firm relies on top-of-funnel content marketing — a blog, The Financial Translator podcast, monthly newsletter, and community presentations at library and investment clubs — combined with consultative sales initiated through website forms and scheduled calls, with Charles Schwab and Altruist serving as primary custodians holding client assets.

The competitive positioning rests on fiduciary, fee-only compensation, multi-credentialed advisors, integrated tax-savvy investing, and local presence in the Western Chicago suburbs (Western Springs, La Grange, Hinsdale, Oak Brook) augmented by 100% virtual service capability. No venture capital, private equity, or institutional investment is indicated; ownership and control appear concentrated with the founding principal.

Name

Pebble Valley Wealth Management

Legal name

Pebble Valley Wealth Management

Website

https://pvwealthmgt.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Pebble Valley Wealth Management is a fee-only Registered Investment Advisor in Western Springs, Illinois, providing comprehensive wealth management, investment management, and financial planning to high-net-worth professionals and retirees in the greater Chicagoland area and nationwide via virtual delivery.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Investment Management Advisory (RIA) (FSAEAAAB)

akta.pro secondary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Fee-only financial planning
• Investment management services
• Retirement planning advisory
• Wealth management advisory
• Tax planning advisory

Headquarters

HQ city

Western Springs

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Assets Under Management (AUM) Fees: Charges a percentage of assets under management, billed quarterly. This is the primary revenue stream for investment management and comprehensive financial management services.
2. Flat Fee Quarterly: Charges a flat fee billed quarterly depending on the service provided. Alternative to AUM-based pricing for certain service tiers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Pebble Valley Wealth Management is a fee-only Registered Investment Advisor (RIA) providing comprehensive wealth management, investment management, and one-time financial planning services to high-net-worth individuals and retirees. Services include retirement planning, portfolio management with strategic asset allocation and tax-savvy investing, legacy planning, and tax strategies. The firm charges a percentage of assets under management or a flat quarterly fee, with minimums of $250,000 for investment management and $500,000 for comprehensive wealth management.

Product overview

Pebble Valley Wealth Management is a fee-only financial planning firm offering three integrated service tiers: Comprehensive Wealth Management (acting as the client's personal CFO with ongoing financial planning and portfolio management), Investment Management (strategic asset allocation with tax-savvy investing), and a One-Time Plan (a standalone comprehensive plan for those seeking initial direction). All services are fee-only, charging either a percentage of assets under management or a flat quarterly fee. The firm serves clients in the greater Chicagoland area (Western Springs, La Grange, Hinsdale, Oak Brook) and works virtually with clients nationwide. Custodians used include Charles Schwab and Altruist.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Wealth Management Full-service wealth management acting as the client's personal CFO, including ongoing financial plan guidance, portfolio management, and continual alignment of wealth with goals. Designed for clients with $500,000+ in investable assets, available on a percentage-of-AUM or flat quarterly fee basis.
• Investment Management Advanced investment management combining strategic asset allocation with tax-savvy investing, dynamic portfolio construction, and ongoing market monitoring. Built for clients with at least $250,000 in investable assets, with an ETF-only tier for smaller balances.
• One-Time Plan Standalone comprehensive financial plan providing crystal-clear direction on retirement, investment maximization, or family financial security, intended as an initial engagement for those not yet ready for ongoing services.

Quantifiable outcome

• 100% transparent fees with no hidden costs

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered primary.

• Charles SchwabprimaryTechnology or IntegrationPrimary custodian for client accounts. Provides brokerage and custodial services where client assets are held. Clients retain custody of their assets with full legal control while the firm manages portfolios with discretionary trading authority.
• AltruistprimaryTechnology or IntegrationPrimary custodian for client accounts. Provides brokerage and custodial services where client assets are held. Clients retain custody of their assets with full legal control while the firm manages portfolios with discretionary trading authority.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Creative Planning: Large fee-only RIA serving HNW and ultra-HNW clients with comprehensive financial planning, investment management, and tax strategies. Comparable to Pebble Valley in fiduciary, fee-only model and service scope, but operates at vastly greater AUM scale (~$300B+).
• Carson Group: RIA partner network providing wealth management, business coaching, and investment solutions to financial advisors and their HNW clients. Comparable in fee-only fiduciary philosophy and comprehensive planning offering to Pebble Valley.
• Edelman Financial Engines: Large RIA combining traditional wealth management with workplace 401(k) advice and goal-based investing. Comparable in asset-allocation and planning orientation, though it operates at much greater scale across a broader client base.
• Schwab Wealth Advisory: Schwab-affiliated advisory service (Pebble Valley's custodian) offering managed portfolios for HNW clients. Direct competitor for advisory mandates, especially given shared custodial relationship and brand.
• Mariner Wealth Advisors: Nationally scaled RIA offering comprehensive wealth management to HNW clients, including investment management and tax-aware planning. Directly comparable service model to Pebble Valley, with significantly larger headcount and AUM.

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA providing comprehensive financial planning and investment management to HNW clients, emphasizing fiduciary standard and evidence-based investing. Closely mirrors Pebble Valley's service mix and customer segment.
• Halbert Hargrove Global Advisors: Long-standing, fee-only, fiduciary RIA focused exclusively on comprehensive wealth management for HNW clients. Comparable boutique fee-only model and emphasis on lifetime financial planning engagements.
• Plante Moran Financial Advisors: Fee-only RIA serving HNW individuals with retirement planning, investment management, and tax-aware wealth strategies, including a Chicago-area presence. Highly comparable service model and target client to Pebble Valley.
• Keen Wealth Advisors: Boutique fee-only RIA offering comprehensive financial planning and investment management to HNW individuals and retirees, with regional Midwest presence. Closely comparable in size, fee model, and service tiers to Pebble Valley.

Emerging players

• Facet Wealth: Flat-fee digital-first RIA targeting HNW clients with comprehensive financial planning at transparent pricing. Competes with Pebble Valley on the same HNW segment but leverages a tech-enabled, nationwide delivery model rather than local content marketing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Pebble Valley Wealth Management