DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

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SEC-registered adviser

B•••••••• F•••••••• P•••••••• I•••

Independent wealth managerBloomington, MinnesotaCRD 169962SEC 801-79443websiteIAPD
Latest filing Mar 4, 2026
First filing on the tape Mar 20, 2014 · 42 filings
SEC status approved since Apr 1, 2014
RAUM
$853M
reported, Item 5.F
Discretionary
97%
of RAUM
Private clients
99%
$846M individuals and HNW
Advisors
9
registered through the firm on IAPD
RAUM per advisor
$94.8M
derived; firm RAUM over IAPD count
Employees
15
10 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
42 filings and snapshots on the tape
RAUM$853M as of Mar 4, 2026
Feb 25, 2015$287M then
HNW client RAUM$747M as of Mar 4, 2026
Mar 29, 2018$274M then
State-registered IARs (5.B.3)9 as of Mar 4, 2026
Feb 25, 20156 then
Employees (5.A)15 as of Mar 4, 2026
Feb 25, 20157 then
Private funds: no history
RAUM +14% over the last fiscal year+18% a year over threeIARs 9 to 9
Practice profile
derived from the filing of Mar 4, 2026; every figure names its basis
Archetypes, each a printed rule
  • HNW wealth manager · private-client share of RAUM at least 50 percent and HNW share of private-client RAUM 50 to 90 percent
  • Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control
  • Wrap program sponsor · sponsors a wrap fee program (5.I) with at least $100M of wrap assets
RAUM per advisor
$94.8MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
84derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$1.7MderivedHNW RAUM over HNW clients
Average account
$489,781derivedRAUM over accounts (5.F.2.f)
Discretionary
97%derivedof RAUM
Institutional
0.8%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
1.7derivedItem 5.A over advisors
Advisors per office
9.0derived1 offices incl. principal (1.F.5)
RAUM growth, one year
+14%derivedbetween the last two annual amendments
Advisor growth, one year
+0.0%derivedItem 5.B.3 between annual amendments
Client growth, one year
+0.4%derived
Compensation
percentage of assets, hourly, fixed feesreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, pension consulting, selection of other advisersreportedItem 5.G
Wrap fee program
$279MreportedItem 5.I
Custody
$312M, 629 clientsreportedItem 9.A
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
  • compensates persons for client referrals (8.G.1)
  • compensates non-employees for client referrals (8.G.2)
  • has custody of client cash or bank accounts (9.A.1.a)
  • has custody of client securities (9.A.1.b)
  • an independent public accountant performs a surprise examination (9.C.1)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • High-net-worth individuals$747M88%
  • Individuals$99.3M12%
  • Charitable organizations$4.8M0.6%
  • Pension and profit-sharing plans$1.9M0.2%
  • Corporations and businesses$607,2680.1%
Individual clients
319reported
HNW clients
440reported
Pension plan clients
1reported
Charitable clients
2reported
Accounts
1,742reported
Financial planning clients
1-10reported
Wrap fee programs
$0 sponsored, $0 managedreported
Custody of client assets
$312M for 629 clientsreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
private_client_share=0.99 fund_share=0.0 institutional_share=0.01 related_bd=false related_bank=false bd_reps=0.0derived
Advisors registered through the firm
9 on IAPD today, longest tenure first
NameBranchHere sinceIn industryPrior firms
D••••• J••• W••••••Certified Financial PlannerBloomington, MnApr 1, 201421 y1
M••• B•••••• M••••• H•••••Certified Financial PlannerBloomington, MnApr 1, 201421 y1
S•••••• B••• D••••Chartered Financial AnalystBloomington, MnApr 1, 201418 y1
D••• M•••• B•••••Certified Financial PlannerBloomington, MnApr 1, 201428 y2
R••••• O••••• I••••••Certified Financial PlannerBloomington, MnOct 31, 201818 y2
J••• R•••• V••••••Bloomington, MnMar 10, 202112 y0
K••••••• A•• A••••••Certified Financial PlannerBloomington, MnMar 19, 202113 y0
B•••••• K••••Certified Financial PlannerBloomington, MnJul 1, 202412 y3
K•••• R••••••• B••••••Certified Financial PlannerBloomington, MnJan 16, 202511 y0
Advisor movement
0 left, 0 joined in 12 months
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
  • B•••••• D•••• M•••• · Owner/Ceo/Presidentcontrol
    since 01/2000 · owns 25% to 50%
  • D••••• S••••••• B••• · Owner/Ciocontrol
    since 12/2010 · owns 10% to 25%
  • H•••••• M••• B••••••• M••••• · Owner/Coocontrol
    since 12/2010 · owns 10% to 25%
  • I••••••• R•••••• O••••• · Owner/Secretarycontrol
    since 01/2020 · owns 10% to 25%
  • V••••••• J•••• R•••• · Chief Compliance Officercontrol
    since 02/2021 · owns less than 5%
  • W••••••• D•••••• J••• · Owner/Cfocontrol
    since 12/2010 · owns 10% to 25%
Related persons
Schedule D 7.A
No related person reported.
Office movement
IAPD branch city; joins and departures in 12 months
OfficeAdvisorsJoinedLeftTeams outForming
Bloomington, Mn · principal900
Offices
Schedule D 1.F, the 25 largest
No branch office listed.
What changed
consecutive filings, newest first
  • Accounts · 1,720 to 1,742
    May 30, 2025 to Mar 4, 2026
  • HNW clients · 417 to 440
    May 30, 2025 to Mar 4, 2026
  • Individual clients · 346 to 319
    May 30, 2025 to Mar 4, 2026
  • Assets in custody · $270M to $312M
    May 30, 2025 to Mar 4, 2026
  • Discretionary RAUM · $724M to $830M
    May 30, 2025 to Mar 4, 2026
  • HNW RAUM · $640M to $747M
    May 30, 2025 to Mar 4, 2026
  • Individual RAUM · $97.3M to $99.3M
    May 30, 2025 to Mar 4, 2026
  • Non-discretionary RAUM · $20.1M to $22.9M
    May 30, 2025 to Mar 4, 2026
  • Pension RAUM · $1.7M to $1.9M
    May 30, 2025 to Mar 4, 2026
  • RAUM · $744M to $853M
    May 30, 2025 to Mar 4, 2026
  • HQ city · EDINA to BLOOMINGTON
    Mar 19, 2025 to May 30, 2025
  • Accounts · 1,734 to 1,720
    Mar 19, 2025 to May 30, 2025
  • HNW clients · 403 to 417
    Mar 19, 2025 to May 30, 2025
  • Individual clients · 353 to 346
    Mar 19, 2025 to May 30, 2025
  • Assets in custody · $263M to $270M
    Mar 19, 2025 to May 30, 2025
  • Financial planning clients · 1-10 to 1-10
    Mar 19, 2025 to May 30, 2025
  • Discretionary RAUM · $726M to $724M
    Mar 19, 2025 to May 30, 2025
  • HNW RAUM · $637M to $640M
    Mar 19, 2025 to May 30, 2025
  • Individual RAUM · $103M to $97.3M
    Mar 19, 2025 to May 30, 2025
  • Non-discretionary RAUM · $21.0M to $20.1M
    Mar 19, 2025 to May 30, 2025
  • Pension RAUM · $1.1M to $1.7M
    Mar 19, 2025 to May 30, 2025
  • RAUM · $747M to $744M
    Mar 19, 2025 to May 30, 2025
  • Accounts · 1,634 to 1,734
    Jan 16, 2025 to Mar 19, 2025
  • HNW clients · 346 to 403
    Jan 16, 2025 to Mar 19, 2025
  • Individual clients · 379 to 353
    Jan 16, 2025 to Mar 19, 2025
  • Financial planning clients · 11-25 to 1-10
    Jan 16, 2025 to Mar 19, 2025
  • Discretionary RAUM · $696M to $726M
    Jan 16, 2025 to Mar 19, 2025
  • HNW RAUM · $580M to $637M
    Jan 16, 2025 to Mar 19, 2025
  • Individual RAUM · $130M to $103M
    Jan 16, 2025 to Mar 19, 2025
  • Non-discretionary RAUM · $21.0M to $21.0M
    Jan 16, 2025 to Mar 19, 2025
  • Pension RAUM · $1.1M to $1.1M
    Jan 16, 2025 to Mar 19, 2025
  • RAUM · $717M to $747M
    Jan 16, 2025 to Mar 19, 2025
  • Advisory employees · 9 to 10
    Sep 25, 2024 to Jan 16, 2025
  • Employees · 14 to 15
    Sep 25, 2024 to Jan 16, 2025
  • State-registered IARs · 8 to 9
    Sep 25, 2024 to Jan 16, 2025
  • Accounts · 1,490 to 1,634
    Sep 4, 2024 to Sep 25, 2024
  • HNW clients · 320 to 346
    Sep 4, 2024 to Sep 25, 2024
  • Individual clients · 308 to 379
    Sep 4, 2024 to Sep 25, 2024
  • Assets in custody · $250M to $263M
    Sep 4, 2024 to Sep 25, 2024
  • Discretionary RAUM · $614M to $696M
    Sep 4, 2024 to Sep 25, 2024
Signals
4 dated events
  • Ellen Kay Kramer (Owner) no longer on Schedule A of B•••••••• F•••••••• P•••••••• I••• (listed 2020-10-26, absent 2021-03-10)
    Mar 10, 2021 · Control person left · inference
  • R•••• J••• V•••••• (Chief Compliance Officer) appeared on Schedule A of B•••••••• F•••••••• P•••••••• I•••
    Mar 10, 2021 · Control person joined · fact
  • Olivia Rachel Infante (Owner) appeared on Schedule A of B•••••••• F•••••••• P•••••••• I•••
    Mar 26, 2020 · Control person joined · fact
  • K•• F•••••••• filed its initial SEC registration (Form ADV)
    Mar 20, 2014 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
Firm profile
LINKEDIN.COM/COMPANY/B••••••••-FINANCIAL-PARTNERSreportedpublic record, Form ADV, Sep 19, 2026
Website
KLBFINANCIAL.COMreportedpublic record, Form ADV, Sep 19, 2026
Principal office phone
952-885-9088reportedpublic record, Form ADV, Mar 4, 2026
Provenance
Form ADV
SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
Advisors
IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
Class
Independent wealth managerderiveda rule over Items 5.D and 7.A
RAUM per advisor
$94.8Mderivedfirm RAUM over the IAPD count; not a book size
Loaded
Sep 14, 2026