InVested Advisors

InVested Advisors

Founded in 2020 by Kristen Coombs, InVested Advisors is a State College, Pennsylvania-based independent RIA. Coombs, a CFP professional with prior Series 7 and Series 66 registrations, structured the firm as a fee-only fiduciary to serve individuals, high-net-worth households, and business owners. The practice is deliberately compact, built around a core team of seven professionals that includes a director of retirement plan services and a CPA-turned-financial-planning-analyst. The firm's investment posture is goal-based rather than product-driven. Planning engagements cover retirement accumulation and distribution, tax strategy, estate and asset protection, and legacy transfer. For business owners, InVested layers on qualified plan design and operational efficiency consulting. Investment advisory accounts are billed on a tiered annual fee schedule that runs from 1.30% down to 0.00% as assets scale; stand-alone financial plans are quoted at $1,500 to $5,000 depending on complexity. The team serves clients from Pennsylvania and remote hubs in Callahan, Florida and Nashville, Tennessee, giving it a geographic reach that exceeds its single-office footprint. The firm counts seven named professionals on its website. Heather Corl, a Qualified 401(k) Administrator, has led the retirement plan services division since joining the predecessor practice in 2017. The advisory group also includes a second CFP practitioner, Scott Hefkin, and operations staff across two remote locations. InVested Advisors organizes its client journey around a proprietary five-step process—introductory meeting, financial data gathering, blueprint creation with scenario stress-testing, plan implementation, and ongoing reviews—that functions as its principal client-retention architecture. No dated operational event from the last 24 months was publicly disclosed. InVested Advisors' structural differentiator lies in its fiduciary-by-architecture design. The firm is compensated entirely by client-paid advisory fees and financial-planning retainers; it accepts no commissions or third-party product payments. This eliminates the incentive to cross-sell proprietary products and aligns the economics with a planning-centric model more common to larger RIAs licensed as fiduciaries than to the broader wealth-management industry. Combined with a small, partner-led team and a deliberately slow-growth client-selectivity posture, the firm's structural model places planning fidelity at the center of the enterprise.