One person responsible for the whole picture.
Your CPA, your attorney, your insurance agent, your investment manager: they all stay. We build the plan, oversee the whole of it, and keep after every item until it’s done. Kreft Oversight is an independent, fee-only financial advisory firm in Mount Pleasant.
Most new relationships start with a ninety-minute Financial Road Map. We meet most of our clients through a private introduction from an existing client, a CPA, or an attorney. If someone sent you here, you’re in the right place.
What we take responsibility for
Most families we meet already have good people: a CPA, an attorney, an insurance agent, often someone managing the investments. Each does good work on their piece. Nobody is wrong, and the whole still drifts. What’s often missing is one person responsible for the whole: how the pieces fit, what matters most right now, and whether what was agreed got done. That’s our job. Everything that reaches you, whether it’s advice from your professionals, something you’ve read, or an idea from an AI, gets measured against one standard: what matters to you, the plans we’ve built around it, and what needs to happen next.
“I’m the one who asks the second question.”
— Mike Kreft
We build one plan for your whole financial life and run it with you.
Here’s what we take on:
Bringing you one answer
When a decision touches your CPA, your attorney, and your investments at once, we frame the question, get their input, weigh it, and bring you one recommendation with the reasons behind it. Bring us anything you’ve read, or anything an AI told you. We’ll tell you what holds.
Watching the money
Whoever handles the investments, we watch them. We check that the allocation still matches the plan and the risk you’ve agreed to, and we review the activity in your accounts. We watch the costs too: what the investments themselves cost, and what your advisor or broker charges. Most of those never arrive as a bill, so we total them up and show you the number. We keep beneficiaries lined up with your estate plan, and identity-theft and fraud monitoring is included. If you’d rather we handle the accounts themselves, we do that too, under a written strategy we agree on together. The purpose is to keep your investments working in accordance with your plan.
Reading the fine print
We read every insurance policy, statement, and estate document you have, and we tell you what’s missing, what’s excess, and what doesn’t match what you meant.
Keeping track of what’s due
Required distributions, withholding, policy renewals, the CPA’s deadlines, the account that still needs retitling. Each item has an owner and a date, and we keep after it, including the parts that are ours.
Gathering documents
When your attorney or CPA needs something, we assemble it from the records we keep and send it. We tell you when something needs your signature.
Remembering why
Every decision is written down with the reasoning, so nothing depends on anyone’s memory, including ours.