Campbell Wealth Management, Inc. is a fee-based financial advisor that serves individuals (including high-net worth individuals), pen and profit-sharing plans, trusts, estates or charitable organizations. Financial planning and asset management for those nearing retirement and current retirees are Campbell Wealth Management’s primary areas of focus. The firm also holds a spot on SmartAsset's list of the top financial advisors in Alexandria.
As a fee-based firm, certain advisors at Campbell Wealth can earn third-party compensation in addition to the fees that clients pay. On the other hand, a fee-only firm only receives client-paid fees as income.
Campbell Wealth Management Background
Firm president and CEO Kelly Campbell is the sole owner of Campbell Wealth Management. Although this firm has been registered with the SEC since just 2010, Kelly Campbell has worked in the financial services industry for more than 25 years. Barron’s also named Campbell the 22nd best financial advisor in Virginia for 2018.
For a firm with just a handful of advisory employees, Campbell Wealth Management has accrued a lot of certifications. In fact, this staff includes such certifications as certified financial planner (CFP), chartered financial consultant (ChFC), accredited investment fiduciary (AIF), chartered mutual fund counselor (CMFC), chartered financial analyst (CFA), accredited wealth management advisor (AWMA) and certified divorce financial analyst (CDFA).
Campbell Wealth Management Client Types and Minimum Account Sizes
At its core, Campbell Wealth Management is centered around financial planning services for individuals with and without a high net worth who are nearing retirement or have already retired. The firm is also known to have advisory relationships with estates, trusts, businesses, charitable organizations, pension plans and profit-sharing plans.
Campbell Wealth Management offers asset management services using Schwab as the qualified account custodian. In order to open an account (through Schwab), you’ll need a minimum of $500,000 in investable assets. Exceptions may be granted based on the total value of the overall engagement, the types of assets in the account and the time and resources expended on services.
Services Offered by Campbell Wealth Management
Campbell Wealth Management is equipped to handle the needs of many different types of clients. Check out the full list of its services below:
- Comprehensive financial planning
- Retirement planning
- Cash flow and management planning
- Estate planning
- Tax planning and minimization
- Risk management
- Insurance planning
- Education funding planning
- Business planning
- Investment analysis
- Benefit plan analysis
- Investment portfolio management
- Traditional and wrap-fee management programs
- Asset management
- Custodian services through Schwab
- Retainer services
- Available in one-year terms
- Meetings with advisors
- Investment management
- Financial planning
- Business planning
- Consultations
- Based around a topic of the client’s choice
- Pension consulting services
- Available for both retirement plan sponsors and participants
- Individualized advice for participants
- Non-discretionary investment advice
- Investment selection, monitoring and due diligence
- Workshops and seminars
- Built for employers, family foundations, associations and the general public
- Investment education without giving specific investment advice
- Newsletters and other publications
Campbell Wealth Management Investment Philosophy
Campbell Wealth Management is based around retirement planning, so it should come as no surprise that the firm prefers a long-term investment ideology that promotes steady, sustained returns. This involves creating an asset allocation appropriate for your personal risk tolerance, liquidity needs and overall financial objectives. In turn, exchange-traded funds (ETFs), mutual funds and fixed income securities like bonds make up a sizable portion of most portfolios.
However, the firm doesn’t necessarily shy away from equities and options, which are inherently much riskier investment types. This is customarily done only in situations where a portfolio can absorb some extra risk in the hopes of stronger returns.
Fees Under Campbell Wealth Management
If you start an advisory relationship with Campbell Wealth Management, you’ll find that its fee schedule is extremely variable. This is because most of the hourly and fixed fees clients encounter operate on a sliding scale. In other words, the intensity and quantity of the services you’re looking for will ultimately determine how much you will have to pay. Here’s a closer look at Campbell’s rates:
| Campbell Wealth Management Fees | |
| Program/Service | Fee Schedule |
| Financial Planning |
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| Retainer Services |
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| Consultations |
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| Workshops/Seminars |
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Many client accounts at Campbell Wealth Management utilize Schwab’s custodian services to house their investable assets. According to Campbell’s SEC-filed Form ADV, the firm, nor Schwab, will have direct access to your money if placed in one of these accounts. The lone exception to this is when you have advisory fees deducted from your balance, though you must give written authorization for this.
What to Watch Out For
There are no legal or regulatory disclosures on Campbell Wealth Management's SEC-filed Form ADV.
Certain advisors at Campbell Wealth Management are registered representatives of insurance companies and/or broker-dealers. That means that these advisors have the opportunity to receive commissions from the sale of insurance policies and securities, respectively, to clients of Campbell. While this does represent a clear conflict of interest, the firm and its advisors are fiduciaries, which means they are legally bound to act in clients’ best interests.
Opening an Account With Campbell Wealth Management
Prospective clients of Campbell Wealth Management should visit the firm’s website to get in touch with an advisor. Through this platform, you can claim a free first-time consultation to meet and discuss your needs. Campbell is also reachable over the phone.
All information is accurate as of the writing of this article.
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