Who to send to Kreft Oversight
We do our best work for people who want one person responsible for the whole financial picture and are ready to let that person do the job. This page is who they are, how to send them, and what you’ll see from us afterward.
You’ll know them when you see them
The client who keeps bringing you questions that need the whole picture to answer: when to take Social Security, whether to do the Roth conversion, which pension option, whether they can afford to retire.
The widow or widower whose spouse handled everything, now holding statements they’ve never read.
The couple where one has always run the money and both want the other more involved, or where the one who runs it worries about leaving the other unprepared.
A household where capacity is slipping and nobody is watching the whole picture.
Your client whose CPA, attorney, insurance agent, and advisor only hear from each other when somebody needs a 1099. Each does good work. Nobody is coordinating the whole.
Someone with a lot about to happen: a retirement date, a business sale, a pension election, an inheritance.
What they have in common
They delegate once they’ve decided to trust someone. Both spouses show up. They want the truth, and they tell it. And they want someone who keeps watching after the plan is written.
What we’ll do with your client
Mike calls them within one business day of your introduction.
Their first step is a fifteen-minute phone call at no cost. If it makes sense to meet, the next step is a ninety-minute Financial Road Map for $500, with both spouses and their documents. They’ll know what an ongoing relationship costs before they pay for it.
We let you know we connected. Nothing about their finances leaves our office without their say-so.
Below a net worth of about $2.5 million, not counting the home, we’ll usually recommend a one-time plan rather than ongoing oversight.
What you’ll see from us
We don’t go around you. If we see something in your area, we call you first and work it out together before it goes back to the client.
Tax projections get requested in October, not April. Between March 1 and April 15 we don’t contact you unless a client’s deadline requires it.
When a decision touches your work, you get one email: the question, the documents, what we need, and by when.
No referral fee in either direction. Nobody pays for introductions here.
When a situation calls for a specialist (an estate document review, a tax projection, an insurance review), we arrange it and coordinate it with you, never around you. Think of it as peer review, the collaborative kind.
What that looks like
A widower came to us with his late wife’s accounts to settle. One was an annuity with decades of untaxed gain inside it; cashing it out would have put most of that gain on a single year’s return. We don’t sell insurance products and we don’t share in commissions, so there was nothing in it for us either way. We put his three choices in writing, for him and his daughter: leave it, turn it into income, or exchange it for a better contract. Side by side: the rate each would earn, the surrender charges, the fees inside each contract, and the commission another advisor would earn on the exchange. He chose the exchange, because the new contract’s guaranteed rate was higher than what the old one was earning, with no annual fees, even after that commission, and nothing was taxed on the move. It also let his children take their share over their own lifetimes rather than all at once, which meant naming them directly instead of the trust, so that went to his estate attorney before anything was signed. We arranged the exchange through the other advisor and sat in on the signing. His CPA got one email before anything moved: what was moving, why, and what it would mean for the return. And when the trust’s final return was being prepared, we confirmed with the foundation that his wife’s gift had actually been received.
How we’re paid
Clients pay a flat fee for the plan. After that, oversight is a flat annual fee, not a percentage of their investments. If they’d like us to handle the accounts, there’s a separate fee for that. We don’t sell products or take commissions, and every fee is in writing before anything starts. Your client keeps paying you directly, as they do now.
About the firm
Fee-only. A fiduciary in everything we do. Palmetto Coast Advisors, Inc., doing business as Kreft Oversight, registered in South Carolina and Texas, advising Lowcountry families since 2006. We don’t sell anything, we don’t replace a client’s other professionals, and nobody has to move an account to work with us. Form ADV.
How to send someone
An email to introductions@kreftoversight.com with your client copied works best, or call us at (843) 647-7270. If your client has been asking you the questions in the first list, send them along.