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.
-
Fee-Only, Fiduciary Advice
We don’t sell products. We give advice that’s 100% in your best interest.
-
CERTIFIED FINANCIAL PLANNER™
Expertise backed by training, ethics, and real-life experience.
-
A Proven Process, No Pressure
We start with a conversation—not a commitment.
-
Local to Southwest Ohio, Available Anywhere
In-person or virtual. Whatever works best for you.
-
Aligned With Ramsey Principles
We support debt-free living, wise investing, generosity, and financial peace.
✅ Who We Work Best With
At KLD Wealth, we partner with clients who are serious about building a meaningful financial life—not just a portfolio. If any of the following sounds like you, you’re in the right place:
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’re doing well, but know you could be doing better—with the right plan and guidance.You want to enjoy life now and later.
You love to travel, experience new things, and create memories—not just stash cash away for "someday."You value simplicity and clarity.
You’re not looking for jargon or a sales pitch—you want someone to help you make confident, well-informed decisions.You care about alignment.
Your finances should reflect your values. Whether that’s building a legacy, supporting causes you care about, or just being intentional—you're looking for more than just returns.
❌ We're Not the Right Fit For Everyone—And That's Okay
At KLD Wealth, we want to make sure we're a good match—for both your time and ours. We’re committed to building long-term, values-based relationships with our clients, and that means we’re not the best fit for everyone.
Here’s who we’re not a fit for:
You're looking for a stock picker or market timer.
We believe in long-term, evidence-based investing—not trying to chase the next big thing or time the market.You're seeking free advice without commitment.
We offer real value through thoughtful planning and professional expertise. If you’re not ready to invest in your financial future, we might not be the right partner just yet.You want to "set it and forget it."
Our best clients are engaged in the process. You don’t need to be a financial expert—we’ll guide you—but we do value collaboration and follow-through.You’re only interested in quick wins.
Financial planning isn’t about overnight success. It’s about building a strong, sustainable path toward the life you want—on your terms.You prefer commission-based advisors or product sales.
We’re 100% fee-only and fiduciary. That means no commissions, no product pushing—ever.You’re not open to values-based conversations.
We help clients align their financial life with what truly matters to them. If you're not interested in exploring that connection, our approach might feel too personal.
✅ Still With Us?
If you’ve read through this and thought, “Yes! That’s exactly what I’m looking for,”—you’re in the right place.
We’d love to learn more about your story and see how we can help.
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
-
Our initial meeting is all about you, your goals, and your questions, so that we can determine if we are potentially a good fit.
-
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.
-
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. 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
-
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.
-
We guide you through a reflection process, asking key questions about your priorities (family, community, environment) and aligning those with your financial goals.
-
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.
-
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.
-
Absolutely. We incorporate your philanthropic goals into your financial plan, helping you leave a lasting legacy through charitable giving strategies that reflect your values.
-
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.
-
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.
-
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.