Fee-Only Financial Planner & Advisor in Wichita, KS
Unbiased investment advice and management from a fee-only fiduciary.
Financial Planning for Wichita, KS — Built Around a Different Kind of Local Economy
Wichita's economy runs on aerospace — Spirit AeroSystems, Textron Aviation, and decades of Boeing's legacy presence have made this one of the most concentrated aerospace manufacturing hubs in the country. That matters for retirement planning in ways a generic national advisor won't necessarily think through: employer stock concentration, pension and 401(k) decisions after a layoff or industry consolidation, and retirement timelines that can shift fast when a single industry drives so much of the local economy. I work with Wichita-area clients virtually as easily as in person, providing independent, fee-only advice as a fiduciary — no commissions, no product sales, full transparency on every fee.
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Manage concentrated employer stock or 401(k) risk tied to a single local industry
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Roll over a pension or 401(k) after a layoff, buyout, or industry consolidation
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Build a retirement plan that accounts for Wichita's cost of living, not a national average
Why Wichita's Economy Changes the Retirement Planning Math
When a large share of a local economy depends on a handful of major employers, retirement planning looks different than it does in a more diversified metro. If a meaningful piece of your net worth is tied up in employer stock, a pension, or a 401(k) match structure specific to the aerospace industry, a downturn or consolidation in that single sector can hit your retirement timeline much harder than a market-wide correction would. I don't assume every Wichita client's situation looks like this — but if it does, it's exactly the kind of concentration risk I build a plan around, not something to handle with a generic allocation model.
HOW CAN WE HELP?
Our expertise includes:
Why trust us?
At Three Streams Financial, we are dedicated to providing personalized and comprehensive financial and retirement services. Our committed team ensures that you receive financial solutions tailored to meet your unique needs. Whether you need advice or are seeking full-service asset management, we are here to help. Curious what separates a true fiduciary from someone who just uses the word? See the questions I think every Wichita-area client should ask.
Founder | Portfolio Manager
Daniel Gould
I am an independent investment adviser representative (IAR) based in Overland Park, KS. My financial services are available to individuals, families, professionals, and small business owners across the nation. With over 25 years of experience in the financial markets, I offer successful trading and portfolio management strategies developed in institutional settings.
Frequently Asked Questions
A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest. Want to understand exactly what questions to ask any advisor — fee-only or not — before hiring them? Read my full breakdown of what to ask a fiduciary before you hire one.
A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)
A: It can be, depending on how concentrated it is relative to your total net worth. A single-employer concentration—even in a strong company—carries more risk than a diversified portfolio, and it's one of the first things I look at with Wichita-area clients before building a broader plan.
A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.
A: Yes — I work with Wichita-area clients, meeting virtually or in person as needed. Distance from my Overland Park office isn't a barrier; most ongoing client meetings happen virtually regardless of location.
First, RIAs are legally obligated to act in your best interest. They also tend to provide more personalized services. Since they aren't paid on commission, they don't have an incentive simply to deal with only when selling something. RIAs typically have transparent fee structures, often charging a percentage of assets under management or a flat fee, which aligns their interests with yours.
Many investors are unaware of, or confused about, the various fees they may pay when investing. Not my clients! We believe in Fiduciary transparency. Our fee schedule is 0.50% to 0.95% of assets under management annually. We can also negotiate a flat fee for outside investment advice. Our minimum account size is $500,000 of investable assets. However, our services are also available to active accumulators under 45 with a minimum of only $300,000.