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Don't Be Passive When It Matters.

At KLD Wealth Management, my investment management approach is designed to align your portfolio with your core values—whether that’s sustainability, faith, or legacy building.

As a fiduciary, fee-only financial advisor in Dayton and Cincinnati, Ohio, and abroad, I simplify the investing process so you can feel confident your money is working toward what matters most to you.

Investment Management Aligned with Your Goals and Values

Investing isn’t just about growing wealth—it’s about creating a financial strategy that supports your future and aligns with what matters most to you. At KLD Wealth, we take a goal-based, values-driven approach to investment management, ensuring your portfolio is tailored to your needs, risk tolerance, and long-term vision.

Our Investment Management Approach:

✅ Strategic Portfolio Design – We build customized portfolios based on your financial goals, time horizon, and comfort with risk.


✅ Retirement-Focused Investing – We help you structure investments for a smooth transition into retirement, maximizing growth while protecting your future income.


✅ Tax-Efficient Strategies – We minimize unnecessary taxes on investments through asset location, tax-loss harvesting, and Roth conversion planning.


✅ Values-Based Investing – Want your money to reflect your values? We offer ESG and socially responsible investing (SRI) options to align your portfolio with what matters most to you.


✅ Ongoing Portfolio Monitoring – Markets change, and so do your financial needs. We proactively rebalance your portfolio to keep you on track.

Who We Serve:

✔ Individuals and families looking for long-term financial growth and security.


✔ Pre-retirees and retirees who want an investment strategy that transitions seamlessly into retirement income.


✔ Investors who want a disciplined, tax-efficient approach without the stress of managing it alone.


✔ Those looking for values-based investing that aligns with their personal beliefs.

Invest with Confidence, Stay in Control

With our fee-only, fiduciary approach, you get objective, transparent advice—no commissions, no sales pitches. Whether you’re growing your wealth, preparing for retirement, or seeking a smarter way to invest, we’re here to help you navigate your financial future with confidence.

OUR INVESTMENT PARTNERS

✅ Who I Work Best With

I partner with clients who are serious about building a meaningful financial life—not just a portfolio. If this sounds like you, we may be a great fit:

  • You’re a Gen X or Millennial couple juggling work, family, and everything in between.

  • You’re raising kids, saving for college, and still trying to carve out space for your own dreams.

  • Your household income is $150,000+ and growing.

  • You want to enjoy life now and later—travel, experiences, and memories matter as much as money.

  • You value simplicity and clarity—no jargon, no sales pitch.

  • You care about alignment—your finances should reflect your values, not just your returns.

❌ Who I’m Not the Right Fit For

I want to make sure I’m a good match for your time and mine. That’s why I’m upfront about who I don’t work best with:

  • You’re looking for a stock picker or market timer.

  • You’re seeking free advice without commitment.

  • You want to “set it and forget it.”

  • You’re only interested in quick wins.

  • You prefer commission-based advisors or product sales.

  • You’re not open to values-based conversations.

If that’s not you, keep reading.

Interested
in Working Together?

Get started in 3 easy steps

  • Our initial meeting is all about you, your goals, and your questions, so that we can determine if we are potentially a good fit.

  • I will create a personalized, high-level overview for you so that you can get a feel for the process. Whether we work together or part as friends, this overview will be yours.

  • We review your planning overview and discuss how you can start focusing on your ideal retirement lifestyle and worry less about your finances. This is a NO PRESSURE meeting. No sales pitch, no commitments.

  • During your strategy session we will complete your planning overview including opportunities to achieve your goals and dreams. I will not ask you to decide then and there. The goal is to take the evening and decide if the results are what you want.

    We schedule a quick meeting for the next day to see if you have any questions and see if you want to get started.

    Either way, the plan is yours. No strings attached.

 FAQs

  • Fee-only advisors are paid solely by clients and do not receive commissions for selling financial products, which reduces conflicts of interest. In contrast, fee-based advisors may earn commissions from products, which could impact their recommendations.

  • At KLD Wealth, I start by understanding your personal and financial goals along with your values. Whether it's retirement, college savings, or wealth transfer, I create a tailored investment strategy that balances risk and return to meet those objectives.

  • I offer a range of socially responsible investment (SRI) and impact investing options, allowing you to invest in companies and funds that align with your ethical values without sacrificing performance.

  • I analyze your risk tolerance, financial goals, and time horizon to create a personalized asset allocation that maximizes returns while managing risk appropriately for your stage of life.

  • I use diversification, regular portfolio reviews, and a disciplined approach to risk management to reduce volatility and protect your investments from market downturns.

  • I conduct regular portfolio reviews (at least annually) and make adjustments based on changes in the market, economic conditions, or your personal financial situation to ensure your investments stay on track.

  • My investment management fees are transparent and based on a percentage of assets under management (AUM). I do not earn or accept commissions, so myincentives are always aligned with your best interests.

  • I take a long-term view and focus on disciplined investing. During downturns, we rely on diversification, rebalancing, and maintaining a strategy that is designed to weather market volatility.

  • Yes, I incorporate tax-efficient strategies, including tax-loss harvesting, asset location, and optimizing retirement account contributions, to help you minimize your tax burden while growing your investments.

  • I regularly update your financial plan and investment strategy as your goals evolve—whether you're preparing for retirement, funding education, or managing family wealth.