Kral Financial Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, philanthropic planning, and tax planning. Financial planning was provided to 51–100 clients last fiscal year.
Kral Financial Advisors reports 55 clients. They include 55 high-net-worth individuals. Of its assets, 94.9% ($235M across 344 accounts) are managed with discretion; $12.7M across 33 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | Fewer than 5 | <1% |
| High-net-worth individuals | 100% | 99% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | Fewer than 5 | $1.92M | 0.8% | — |
| High-net-worth individuals | 55 | $245M | 99.2% | $4.46M |
| Total | 55 | $247M | 100% | — |
- Clients
- Fewer than 5
- Regulatory AUM
- $1.92M
- AUM share
- 0.8%
- Avg. per client
- —
- Clients
- 55
- Regulatory AUM
- $245M
- AUM share
- 99.2%
- Avg. per client
- $4.46M
Total
- Clients
- 55
- Regulatory AUM
- $247M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Kral Financial Advisors charges 0.40%–0.80% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $3,500 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 0.80% |
| $500K–$1M | 0.70% |
| $1M–$1.5M | 0.60% |
| $1.5M–$2M | 0.50% |
| $2M and above | 0.40% |
Fee details and sources
Other fees
- Financial planning and consulting
- Financial planning and consulting is billed at $300 an hour or a flat project fee, with a $2,500 minimum for a comprehensive financial plan.
Kevin Kral owns 75% or more of Kral Financial Advisors. The leadership team of Kral Financial Advisors includes President Kevin Kral. It has 1 employee.
Leadership
- Kevin KralPresident and Chief Compliance Officer
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 1 employee
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Kral Financial Advisors, LLC
Kevin Kral
Control person · since February 2006
Kral Financial Advisors’ regulatory assets grew from $205M (March 2021) to $247M (March 2026); clients fell from 77 to 55 and employees were 1 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $247M | 55 | 1 | 1 |
| March 2025 | $219M | 55 | 1 | 1 |
| March 2024 | $200M | 55 | 1 | 1 |
| March 2023 | $176M | 61 | 1 | 1 |
| March 2022 | $216M | 65 | 1 | 1 |
| March 2021 | $205M | 77 | 1 | 1 |
Besides its headquarters, Kral Financial Advisors has 0 offices, with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Kral Financial Advisors, LLC
- Headquarters
- Not reported
- Website
- Not reported
- Phone
- 734-354-9720
- SEC file
- 801-66245
- Founded
- 2006
- Structure
- Michigan LLC
- Fiscal year end
- December
Kral Financial Advisors uses Charles Schwab ($207M) as custodian for its separately managed accounts. Kral Financial Advisors has custody of $43.5M in client assets for 23 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $207M100%
At year end, Kral Financial Advisors’ separately managed accounts were mostly in funds (94%).
What the accounts hold
- Stocks3%
- Funds94%
- Cash3%
How many clients does Kral Financial Advisors have?
Kral Financial Advisors has 55 clients and manages $247 million for them, as of March 2026. They include 55 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 21 March 2026
What services does Kral Financial Advisors offer?
Kral Financial Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Kral Financial Advisors charge?
Kral Financial Advisors charges 0.40%–0.80% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $3,500 annual minimum.
Source: KRAL FINANCIAL ADVISORS LLC FORM ADV PART 2A - MARCH 2026, filed 21 March 2026
Which custodians does Kral Financial Advisors use?
Kral Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $207M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 March 2026
How many financial advisors does Kral Financial Advisors have?
Kral Financial Advisors has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Kral Financial Advisors invest in?
At the end of its last fiscal year, Kral Financial Advisors’ separately managed accounts held 94% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities and 3% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Kral Financial Advisors?
Kral Financial Advisors’ direct owner is Kevin Kral (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 21 March 2026
How does Kral Financial Advisors get paid?
Kral Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Kral Financial Advisors?
Its phone number is 734-354-9720.