Fee-only, fiduciary wealth management in Overland Park built around high-quality dividend growth stocks. No commissions. No hidden fees. Just clear, transparent guidance.
Build a Predictable, Tax-Efficient Retirement Income Stream Without Market Anxiety
Speak with Dan Directly: (913) 274-9020Quick answer: Three Streams Financial provides fee-only investment management for Kansas City-area clients, built around a core of dividend growth stocks rather than commission-driven products. Services include:
- A personalized Investment Policy Statement
- Portfolio management and rebalancing
- Tax-efficient asset location
- Real-time performance reporting
- Fees run 0.50%–0.95% of assets under management annually, with a $500,000 minimum ($300,000 for accumulators under 45).
Here's What We're Going to Do
You need a clearly defined, transparent, and easy-to-follow Investment plan. Three Streams Financial will help build your ideal portfolio focused on diversification, simplicity, and tax efficiency. You can manage the plan yourself or have us manage it for you. We will help you achieve your investing goals!
How does fee-only investment management work for Kansas City pre-retirees?
Your Personalized Investment Strategy
Map out a written plan to help you stick to your goals.
Make Informed Investment Decisions
Understand the risk and tax implications of your portfolio.
Achieve Higher Returns With Less Risk
Identify the best strategies to keep your portfolio on track.
What features are included in our personalized investment management services?
- Your Investment Policy Statement is the rulebook. It documents your goals, risk tolerance, and time horizon, so decisions get made against a written standard — not a gut feeling in a volatile week.
- We manage the whole picture, not one account. Portfolios and 401(k)s are coordinated together, with asset allocation and rebalancing handled proactively, not just when something breaks.
- Every dollar is placed with taxes in mind. Asset location — which accounts hold which investments — is reviewed specifically to reduce the tax drag on your overall return.
- We look for the tax opportunities most people miss — tax-loss harvesting, strategic withdrawal timing, and asset placement that a "set it and forget it" account never catches.
- You always have a real-time view. Detailed performance reporting across every account, consolidated in one place, so you're never guessing where you stand.
- Nothing goes stale. Annual reviews cover progress, needed adjustments, and beneficiary updates — because plans that never get revisited quietly drift out of date.
What are the benefits of hiring an independent fiduciary financial advisor in Overland Park?
- Responsive Local Service – Based in Overland Park, KS, we deliver timely and personalized advice to meet your financial needs.
- Clear Pricing – You’ll always know your fees before we begin. As a fiduciary Investment Adviser (IAR), I ensure transparency with no hidden fees or conflicts of interest.
- Security – Emphasis on security is a top priority. You can rest assured that your funds are safe and your privacy is protected, backed by the custodian Charles Schwab.
- Flexible Scheduling – We work with your availability to make investment management simple and convenient.
- Experience - With over 25 years of direct experience in the financial industry, I prioritize genuine financial advice and active portfolio risk management over a typical financial salesperson. It's just you and me!
Personalization is not just a service; it's a commitment. As an independent advisor who works directly for you, I understand the unique financial situations you may face, from starting a business to raising a family and paying for college. I've been there and am here to help. Partner with me for peace of mind and a financial future built on trust, expertise, and understanding—because your goals deserve nothing less.
How We Build Your Investment Policy Statement
Investing
Your Written Investment Plan
A well-crafted financial plan can help you navigate volatile markets and reach your investing and retirement income objectives. Many investors underperform because they lack a plan or fail to follow one.
Our Approach: A personalized and easy-to-follow investment plan allows you to stay disciplined and committed to a long-term strategy. We'll design a written plan that is:
- Tailored to your risk tolerance, timeframe, and goals.
- Well-balanced and offers a diversified mix of investments.
- Reasonable enough to follow during times of extreme volatility.
Make Informed Decisions
Your Portfolio Snapshot
A diversified portfolio with a balance of assets and multiple strategies can improve risk-adjusted returns over the long term. Many investors fail to stay diversified, often due to emotions overpowering discipline.
Our Approach: A personalized investing plan created using multiple strategies that match your risk tolerance. Diversifying with a mix of uncorrelated strategies and assets is key to reducing risk and maximizing returns over the long term. Proactive risk management is crucial for sticking to your plan during times of volatility.
Portfolio Strategy
Why should you use a dividend growth investing strategy for retirement income?
Rather than relying purely on price appreciation, we build client portfolios around a core of dividend growth stocks — companies with long track records of raising their dividends every year, through recessions, market corrections, and rate cycles. This isn't about chasing the highest current yield. It's about identifying businesses with the financial discipline to keep growing shareholder payouts for decades, which has historically meant lower volatility and an income stream that doesn't require selling shares during a market downturn.
Our Approach: We build a core equity allocation using high-quality dividend growers, sized to your specific risk tolerance and income needs, then layer in additional strategies for diversification. A rising dividend stream can help outpace inflation over time and gives you more flexibility in how and when you draw retirement income — instead of being forced to sell at the wrong moment.
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.
A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)
A: The Fee-Only compensation method is considered the most transparent and objective method for financial advice. This compensation model helps to minimize conflicts of interest and guarantees that your financial advisor acts as your fiduciary, putting your interests first. Fee-only advisors are paid only by their clients for advice, plan implementation, and the ongoing management of assets.
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: We take nothing for granted. We have the independence of a boutique financial firm, but we’re backed by the power of CreativeOne Wealth, LLC, a revolutionary asset management platform and Registered Investment Advisory (RIA) firm. CreativeOne provides back-office support, ensures compliance, and continuously monitors privacy protection. You can learn more at https://adviser.creativeonewealth.com/tech.
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.
Ready To Take Control Of Your Financial Prosperity?
No pressure. No sales pitch. Just a transparent conversation.