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Klein Pavlis & Peasley Financial
Justin Klein's Irvine-based RIA runs a daily live podcast and a parallel-investing model where principals buy the same securities as clients.
Klein Pavlis & Peasley Financial
Klein Pavlis & Peasley Financial was established in 1994 and operates from headquarters at Park Plaza in Irvine, California, with Justin Klein as CEO. The firm positions itself as a fiduciary advisor with a fully transparent fee model, serving individuals and high-net-worth investors across the United States. KPP runs a multi-strategy platform spanning direct equity, fixed income, and options-based income mandates. Its disclosed strategies include Dynamic Growth and Disciplined Equity for aggressive mandates, Equity Income+ and Balanced Income for moderate portfolios, and Stable Income for conservative investors focused on steady yield and principal protection. The firm uses individual securities rather than packaged funds, enabling tax-loss harvesting via Direct Indexing, and writes covered calls in the Equity Income+ program to generate option-premium income. Advanced solutions include 401(k) management through a Pontera partnership and the Deferred Sales Trust for business owners mitigating capital-gains exposure on exits. The firm integrates its advisory practice with the InvestTalk podcast, a daily financial-education show hosted by Justin Klein and Luke Guerrero. Beyond the broadcast, KPP runs live Q&A office hours on Wednesdays and distributes a weekly premium newsletter with economic analysis and stock-watch ideas. Its Orion and Schwab platform structure separates custody from planning, with Schwab holding client assets and Orion providing financial-roadmap visualizations. The firm has not publicly disclosed its total assets under management. KPP anchors its client relationships on a parallel-investing model: the principals invest personal capital into the same securities, on the same day, at the same price as clients. This alignment, combined with direct securities ownership and a broadcast-driven education funnel, distinguishes the firm from packaged-product advisors and places its brand as much in media as in wealth management.
General information
Firm type
Bank / Wealth / Trust
Year founded
1994
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Irvine
Corporate office
Park Plaza, Irvine, CA, United States
Principals
Justin Klein
CEO
Luke Guerrero
Co-Host, InvestTalk
Sector focus
Frequently asked questions
Who runs investment decisions at Klein Pavlis & Peasley Financial?
CEO Justin Klein leads investment decisions, with Luke Guerrero named alongside him as a co-host of the InvestTalk podcast. The firm has not publicly disclosed a separate CIO or investment committee structure. Their public materials emphasize that principals invest their own capital alongside clients in every advised strategy.
What is parallel investing, and how does KPP enforce it?
Parallel investing is KPP's accountability mechanism: for every recommended strategy, one or more principals purchase the same securities, on the same day, at the same price as clients. The firm states that if a client portfolio declines, the principals' own capital declines identically, aligning incentives without a performance-fee structure.
Does KPP use mutual funds or ETFs, or does it buy individual securities?
KPP avoids generic funds and buys individual securities across its strategies. This approach enables direct tax-loss harvesting through its Direct Indexing service and gives the firm the flexibility to adjust positions immediately in response to market conditions, bypassing the liquidity constraints of pooled vehicles.
How does the InvestTalk podcast connect to the advisory business?
InvestTalk serves as a daily educational broadcast and client-acquisition funnel, airing weekdays from 4:00 to 5:00 p.m. PST. Listeners are directed into a broader ecosystem that includes live Q&A office hours on Wednesdays, a premium weekly newsletter with actionable stock ideas, and a complimentary portfolio review process that often serves as the first step toward becoming an advisory client.
What is KPP's approach to managing 401(k) assets for existing clients?
Through a partnership with Pontera, KPP professionally manages client 401(k), 403(b), and TSP accounts without requiring a rollover. Clients retain their existing plan logins and experience no disruption, while KPP gains trading and analytic access to integrate those assets into the overall financial roadmap.
What is the Deferred Sales Trust, and for whom is it designed?
The Deferred Sales Trust is a tax-mitigation structure for business owners or real estate investors exiting a concentrated position. Unlike a 1031 Exchange, which restricts asset-type reinvestment, the trust converts equity into a secured note and income stream, deferring capital gains taxes with greater reinvestment flexibility.
How transparent are KPP's fees?
KPP states that its compensation is 100% fee-transparent, with no hidden sales charges or third-party commissions. The firm operates as a fiduciary, charging advisory fees rather than earning revenue from product providers. A client referral program offers a $250 billing credit to both the referring and referred party once the new client engages.
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