Fee-Only Financial Planning Built on Trust, Clarity, and Your Values
If you found us through the Ramsey SmartVestor program, you’re already someone who values integrity, long-term planning, and living debt-free.
At KLD Wealth Management, we help Gen X and Millennial couples turn those values into a clear financial plan—one that gives you confidence now and freedom later.
Based in Lebanon, Ohio, proudly serving families across Dayton, Cincinnati, and beyond—virtually or in person..
Welcome, SmartVestor
You’re in the right place if you're asking...
“Are we really on track for retirement?”
“Could we be doing more with our money?”
“How do we find someone we can actually trust with our finances?”
At KLD Wealth, we help people just like you—Ramsey fans who are debt-conscious, family-focused, and ready to build wealth with intention. We combine your beliefs with a proven planning process to help you build a life that aligns with your goals and your values.
What You’ll Get Working With KLD Wealth?
As your SmartVestor Pro, we provide financial clarity and personal support—not sales pitches or complex jargon. Our services include:
Why SmartVestor Clients Choose KLD Wealth
We do things differently—not just in how we plan, but in how we show up for our clients.
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Fee-Only, Fiduciary Advice
We don’t sell products. We give advice that’s 100% in your best interest.
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CERTIFIED FINANCIAL PLANNER™
Expertise backed by training, ethics, and real-life experience.
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A Proven Process, No Pressure
We start with a conversation—not a commitment.
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Local to Southwest Ohio, Available Anywhere
In-person or virtual. Whatever works best for you.
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Aligned With Ramsey Principles
We support debt-free living, wise investing, generosity, and financial peace.
Simple Pricing That Fits Real Life
Ongoing Financial Planning + Investment Management, Combined in One Clear Model
At KLD Wealth, we believe financial planning should be transparent, flexible, and tailored to your life—not your account balance. That’s why we combine a flat monthly fee for personalized financial planning with a scaled investment management fee, based on the assets we manage on your behalf.
📊 Our Pricing Model
$250/month for comprehensive financial planning
~1% AUM for investment management
(Actual rate may vary depending on complexity and total assets managed)
👥 Best For:
Gen X and Millennial individuals or couples who want ongoing, personalized financial guidance and professionally managed investment portfolios—all in one relationship.
✅ What’s Included:
Financial Planning Services:
📄 Values-based, personalized financial plan
📅 Quarterly review meetings + unlimited support
💸 Cash flow, savings, and debt optimization
🧾 Retirement income planning and projections
💬 Tax planning and Roth conversion strategies
🛡️ Insurance and estate planning guidance
🧠 Coordination with your CPA, attorney, and other professionals
🔒 Access to your secure online financial portal
Investment Management Services:
📈 Tax-efficient, low-cost portfolio management
🔁 Ongoing rebalancing and monitoring
💡 Investment reviews with clear, personalized recommendations
🧩 Strategies aligned with your goals, time horizon, and values
✳️ No commissions, no product sales, no hidden fees
🟢 No investment minimums. No pressure. Cancel anytime.
Just real advice, a long-term partnership, and support you can trust.
💬 Not Sure If This Is Right for You?
If you’ve ever thought:
“I don’t just want a plan—I want someone to help me follow through.”
“I want to invest wisely but stay aligned with my values.”
“I’d love one trusted advisor to help with everything.”
Then this model is built for you.
Need More Information? Read our Blog:
How Much Does Financial Planning Cost? (And Why It’s Worth Every Penny)
Meet Your Planner
David Wiedmeyer, CFP®
Owner / Planner
As a Certified Financial Planner™ and fellow Ramsey fan, I help families like yours gain peace of mind around money. My mission is simple: to give you the tools and support to align your financial life with the values you care about most—without the noise or sales tactics.
Education: B.S. in Finance (Miami University) | M.S. in Personal Financial Planning (Kansas State)
Specialty: Values-based planning, retirement strategy, tax optimization, and investment management
Family man, baseball fan, lifelong learner—and someone who believes financial freedom should be both a goal and a lifestyle.
Interested
in Working Together?
Get started in 3 easy steps
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Our initial meeting is all about you, your goals, and your questions, so that we can determine if we are potentially a good fit.
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We will create a personalized, high-level overview for you so that you can get a feel for our advice. Whether we work together or part as friends, this overview will be yours.
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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.
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During your strategy session we will complete your planning overview including opportunities to achieve your goals and dreams. We will not ask you to decide then and there. In fact, we actually want you to sleep on it!
We schedule a quick meeting for the next day to see if you have any questions and see if you want to get started with us.
Either way, the plan is yours. No strings attached.
FAQs
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Values-based financial planning integrates your personal values (e.g., sustainability, social responsibility) into your financial strategy, while traditional planning focuses mainly on maximizing financial returns.
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We guide you through a reflection process, asking key questions about your priorities (family, community, environment) and aligning those with your financial goals.
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Yes, values-based financial planning ensures that your financial decisions support both your personal values and long-term financial objectives. We help you find ethical strategies that don't compromise on returns.
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We regularly review your plan and adjust it to reflect shifts in your values, family dynamics, or financial situation, ensuring continued alignment with your goals.
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Absolutely. We incorporate your philanthropic goals into your financial plan, helping you leave a lasting legacy through charitable giving strategies that reflect your values.
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Values-based financial planning is ideal for individuals and couples who want their financial decisions to reflect their personal ethics and beliefs, especially those focused on long-term sustainability, social impact, religious beliefs, or family legacy.
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Yes, whether it's family wealth planning, business succession, or advanced tax strategies, we tailor your plan to both your complex needs and your values.
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As a fee-only firm, we provide clear, upfront fees for our services, ensuring there are no hidden commissions or conflicts of interest, so your financial decisions are always in your best interest.