Kristen E. Coombs provides financial planning, portfolio management for individuals and small businesses, insurance, retirement plan services, tax planning, and tax preparation. Financial planning was provided to 11–25 clients last fiscal year.
Kristen E. Coombs reports 283 clients. They include 204 individual clients, 62 high-net-worth individuals, and 15 pension and profit-sharing plans. Of its assets, 89.6% ($240M across 626 accounts) are managed with discretion; $27.9M across 13 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 72% | 17% |
| High-net-worth individuals | 22% | 66% |
| Pension and profit-sharing plans | 5% | 17% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 204 | $46.1M | 17.2% | $226K |
| High-net-worth individuals | 62 | $176M | 65.6% | $2.84M |
| Pension and profit-sharing plans | 15 | $44.5M | 16.6% | $2.96M |
| Charitable organizations | 2 | $1.86M | 0.7% | $929K |
| Total | 283 | $268M | 100% | $948K |
- Clients
- 204
- Regulatory AUM
- $46.1M
- AUM share
- 17.2%
- Avg. per client
- $226K
- Clients
- 62
- Regulatory AUM
- $176M
- AUM share
- 65.6%
- Avg. per client
- $2.84M
- Clients
- 15
- Regulatory AUM
- $44.5M
- AUM share
- 16.6%
- Avg. per client
- $2.96M
- Clients
- 2
- Regulatory AUM
- $1.86M
- AUM share
- 0.7%
- Avg. per client
- $929K
Total
- Clients
- 283
- Regulatory AUM
- $268M
- AUM share
- 100%
- Avg. per client
- $948K
- 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
- 11–25
Kristen E. Coombs is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Hourly from $250 to $500 per hour, or a fixed fee from $1,000 to $5,000; negotiable. Up to 50% may be paid in advance as a retainer.
- Retirement Plan Services
- Annual fee of 0.50% to 1.00% of plan assets for non-discretionary plan services.
- Tax Analysis and Planning
- Optional additional advisory fee of 0.05% to 0.25%, added to the investment management fee.
- Tax Return Preparation
- One-time fee of $350 for a tax return prepared by an employed CPA, if the client chooses this service.
Kristen Coombs owns 75% or more of Kristen E. Coombs. The leadership team of Kristen E. Coombs includes Chief Compliance Officer Lauren Gretchen. It has 5 employees, 2 of them in advisory roles.
Staff
- 5 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 soliciting firm
- Owns 75% or more of Kristen E. Coombs LLC
Kristen Coombs
Control person · since October 2020
Kristen E. Coombs’ regulatory assets grew 1.7× from $156M (March 2021) to $268M (May 2026); clients rose from 171 to 283 and employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| May 2026May 2026 | $268M | 283 | 5 | 4 |
| Mar 2025March 2025 | $226M | 277 | 5 | 3 |
| Feb 2024February 2024 | $191M | 234 | 4 | 1 |
| Jun 2023June 2023 | $168M | 219 | 6 | 1 |
| Jul 2022July 2022 | $195M | 181 | 5 | 1 |
| Mar 2021March 2021 | $156M | 171 | 5 | 1 |
Besides its headquarters, Kristen E. Coombs has 3 offices (3 private residences, listed without an address), with 1 listed address in 1 state.
Pennsylvania · 1 listed address
- 366 Walker Drive, Suite 370, State CollegeHQ
Other business names
Kristen E. Coombs has reported 1 other business name to the SEC.
- Invested Advisors
Contact and registration details
- Legal name
- Kristen E. Coombs LLC
- Headquarters
- 366 Walker Drive, Suite 370, State College, PA 16801
- Website
- weareinvested.com
- Phone
- 814-235-2703
- @weareinvested
- SEC file
- 801-119770
- Founded
- 2020
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
Kristen E. Coombs’ named custodians for separately managed accounts are Fidelity ($219M, 85%) and Capital Client Group ($39.1M, 15%). Kristen E. Coombs has custody of client assets.
- FidelityFidelity Institutional Wealth Services · Covington, KY · $219M85%
- Capital Client GroupCapital Client Group, Inc. · Los Angeles, CA · $39.1M15%
At year end, Kristen E. Coombs’ separately managed accounts were mostly in funds (51%) and stocks (30%). Its reported 13F holdings for the quarter ended 30 June 2026 total $113M across 152 positions; the largest are iShares TR (4.6%), iShares TR (4.2%) and iShares TR (3.6%).
What the accounts hold
- Stocks30%
- Funds51%
- Registered funds49%
- Pooled vehicles2%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash16%
How many clients does Kristen E. Coombs have?
Kristen E. Coombs has 283 clients and manages $268 million for them, as of May 2026. They include 204 individual clients, 62 high-net-worth individuals, and 15 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 May 2026
What services does Kristen E. Coombs offer?
Kristen E. Coombs provides financial planning, portfolio management for individuals and small businesses, insurance, retirement plan services, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Kristen E. Coombs use?
Kristen E. Coombs’ separately managed account assets are held at Fidelity Institutional Wealth Services (Covington, KY), with $219M and Capital Client Group, Inc. (Los Angeles, CA), with $39.1M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 May 2026
How many financial advisors does Kristen E. Coombs have?
Kristen E. Coombs has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 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 Kristen E. Coombs invest in?
At the end of its last fiscal year, Kristen E. Coombs’ separately managed accounts held 49% registered funds (mutual funds, ETFs, BDCs), 30% exchange-traded equities, 16% cash and equivalents, 2% pooled vehicles (private funds and similar), 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Kristen E. Coombs?
Kristen E. Coombs’ direct owner is Kristen Coombs (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 13 May 2026
How does Kristen E. Coombs get paid?
Kristen E. Coombs 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 Kristen E. Coombs?
Kristen E. Coombs’ main office is at 366 Walker Drive, Suite 370, State College, PA 16801. Its phone number is 814-235-2703. Its website is weareinvested.com.