McKee Investment Planning

Yes. McKee Investment Planning operates as a registered investment adviser, which legally obligates the firm to act as a fiduciary under the Investment Advisers Act of 1940. This means the firm must place client interests ahead of its own and disclose any material conflicts of interest. The fee-only compensation model reinforces this posture by removing commission-based incentives.

McKee Investment Planning operates on a fee-only basis, typically charging clients an annual fee calculated as a percentage of assets under management. The fee-only model avoids commissions, 12b-1 fees, and revenue-sharing arrangements that can influence product selection at broker-dealers. Specific fee schedules are disclosed in the firm's Form ADV Part 2.

The firm primarily serves individual investors, high-net-worth families, and retirees in the East Bay region of Northern California. Client engagements focus on comprehensive financial planning that integrates investment management with retirement-income strategies, tax planning, and estate coordination. Minimum account sizes, if any, are typically modest by industry standards, reflecting the firm's community-oriented practice.

No. The firm does not offer proprietary mutual funds, hedge funds, or private equity vehicles. Client portfolios are built using third-party no-load mutual funds, ETFs, and separately managed accounts from unaffiliated asset managers. This open-architecture approach avoids the conflict of interest inherent in recommending proprietary products.

Portfolio construction emphasizes asset allocation, tax efficiency, and cost control across a mix of US large-cap equities, fixed income, municipal bonds, and real estate investment trusts. The firm selects individual securities and third-party funds based on a due-diligence framework that prioritizes low expense ratios, tax sensitivity, and alignment with client retirement-income objectives.