401(k) and Pension Plan

Portfolio Management

Tailored investment management services for 401(k) plans, pensions and profit share plans.

From your 401(k) to your cash balance plans your investment portfolio should be a reflection of your goals, desires and interests. At Kerr Wealth Management we make it a point to help you figure that out with our tailored approach. Our portfolio management process begins with an evaluation and investment questionnaire process to help us and you better understand your end goal, investment interests and tolerance.  If your interested in developing a low cost ETF and no load mutual fund portfolio we can do that. If your completely new to investing and need help getting started without pesky account minimums, we can do that too.

Investment Approach

Behavioral Coaching

A critical benefit of working with a trusted advisor is having someone to help clients understand the impact financial decisions can have on their long term portfolio. At Kerr Wealth Management we regularly coach our clients through various stock market cycles and life decisions in effort to help them reach their lifetime financial goals.

Tax Management

Asset Allocation

Portfolio rebalancing

Its no secret that taxes can have a substantial negative impact on your portfolio performance. It's not what you earn but what you keep. To achieve superior returns we work closely with our clients to ensure strategies are implemented to preserve their estate and tax planning needs and investment return goals.

Customized asset allocation is at the core of our approach. Using an academic or factor approach helps our advisors target specific drivers of return across asset classes. Investing in factors can help improve portfolio outcomes, reduce volatility and enhance diversification.

Rebalancing is the process of realigning the weightings of a portfolio of assets. Rebalancing involves periodically buying or selling assets in a portfolio to maintain an original desired level of asset allocation. Systematic rebalancing helps prevent the emotional aspect of investing and helps us buy low and sell high.

What kind of accounts do we manage?

Defined Contribution Plans

Traditional 401(k)

Solo 401(k)

Safe Harbor 401(k)

Profit Share Plans



Defined Benefit Plans

Cash Balance Plans

Straight Pension

Defined Benefit Plans

More on our investment approach

Managing Downside Risk
Simple terms: Many of our clients want to protect their portfolio while earning moderate gains. To achieve this objective, we use a few investment approaches and strive to design a portfolio model that makes sense for you.

Less simple terms: We may use multi factor or smart beta ETF's, stocks and the occasional no load mutual fund. A portion of our portfolios may hold multi-factor or smart beta funds through T. Rowe Price, Morgan Stanley, BlackRock, Vanguard, Franklin Templeton or John Hancock. Multi-factor funds can help manage various factors including downside risk. Doing so might give up slight "upside" performance during a bull market. However, trying to time the ups and downs of the stock market can be difficult or costly.

Our investment goal - remain properly diversified and manage risk according to your goals.


Expense Management
Many investors are faced with exorbitant fund fees and or commission charges by their stock broker or fund company, which we believe to be positively correlated with negative yields. 


We are fee only, which means we do not earn commissions when we place trades and it also means we do not sell investment products. Our belief, if investors know what they are paying and paying for, then they will have more confidence in the stock and bond markets. With Kerr Wealth Management in FRESNO, CA there is no middle man or broker dealer. Clients pay is to do the job directly. 


Portfolio Design & Diversification
Our investment portfolios aim to reduce the confusion of how to allocate your investment portfolio. 

  • We help you build your personalized investment policy statement.

  • Choose between ETF's or no load Mutual Funds. 

  • For the riskier investor, you may choose to have individual stocks in your account.

  • We re-balance quarterly or as needed.

  • Meet with your investment advisor as needed. (in person, web conference or other virtual methods).


We can help you build a portfolio for any stage of life including:

  • College savings.

  • Retirement income.

  • Growing your nest egg.

  • Preserving your inheritance.


How Do We Manage Portfolios?

Kerr Wealth Management can manage your portfolio on a discretionary basis. Managing your investment or retirement portfolio or trying to keep up with market trends can be a headache. At Kerr Wealth Management in Fresno, CA we offer portfolio management solutions that help get rid of the guess work.


What does discretionary mean?


  • It means we design and manage your investments. 

  • We provide discretionary portfolio management for individuals, businesses and pension plans.

  • For pension plans and 401(k) and 403(b) plans we offer both 3(21) and 3(38) investment advisory services.

What type of funds or investments do we use?

Our investment approach is a blend of low cost ETF’s, low cost mutual funds, stocks and bond funds.


We Do Not Chase The Benchmarks

It is very common for investment managers to use or compare to a benchmark, such as the S&P 500 Index or the Russel 3000. This, however, is not how our performance is measured. Our objective is to reach a targeted rate of return for you, based on your specific financial needs, risk tolerance and the investment policy statement that we design with you. Attempting to minimize performance deviation form a benchmark does not necessarily help you achieve your investment goals, especially when a benchmark drops as they tend to do from time to time.

*Diversification, smart beta, low cost ETF’s, stocks and mutual funds all carry risk specific to their security type and diversification does not mean low risk or mean that you cannot lose principal value. Investors should consider their risk tolerance or do some financial planning to help determine their risk tolerance and investment needs. Kerr Wealth Management may use investment models with ETF’s and mutual funds and or utilize individual stocks for clients with long term horizons or an appetite for risk in exchange for potential growth. This page is not an endorsement for any fund company mentioned. We mention fund company names for transparency. This is not a solicitation for a specific type of investment or security. 






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Kerr Financial Planning Corporation

2507 W. Shaw Ave. Fresno, CA 93711

Phone (559) 277-4772

Fax (559) 573-8558

CFP, EA, AWM, CRPC, Series 65



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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.


We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Copyright 2020 Kerr Wealth Management.

Important notice regarding investment advisory services: Fee-based means we charge fees for financial plans and investment management. From time to time we may be asked by a client to help purchase a product through our affiliate or we may find that a product is suitable in lieu of the stock market. This creates a conflict of interest because a commission is earned for such product sales. Financial Planning, Investment Advisory and ERISA services offered through Kerr Financial Planning Corporation, Inc. DBA: Kerr Wealth Management, A Registered Investment Advisor, (RIA). RIA does not mean a designation. Retirement plan administration, record keeping, 5500 filings and general retirement plan documents, tax services and accounting services provided by Kerr Payroll Solutions, LLC a provider of payroll and retirement plan administration. Insurance products are not sold or provided by Kerr Wealth Management. Insurance services are provided by Kerr Insurance Brokers, Inc. Kerr Insurance Brokers, Inc., Kerr Payroll Solutions, LLC. and Kerr Wealth Management are affiliated. Kerr Wealth Management is not affiliated to any investment custodian mentioned on this site. Kerr Wealth Management and it' Financial Advisor's give insurance, pension, limited tax, limited estate, business development, investment management, retirement plans and other advisory services or advice. This website is not to be interpreted as advice whatsoever, nor is it a solicitation of an investment or security. To view the status of your financial advisor's licensing, credentials, certifications, professional background and disclosures go to www.adviserinfo.sec.gov. Trade orders must be made verbally or in person or in writing. Interest or other requests that are not trade orders may be accepted via text. This website should not be considered as financial, legal, tax or investment advice. Kerr and it's advisor's do not give legal. Any recommendations relating to corporate structure or tax should be verified by your accountant or attorney. Diversification, active management and asset allocation do not guarantee returns or eliminate risk. Diversification could still lead to loss of principal value. Diversification and asset allocation attempt to spread risk across various asset classes. Self directed IRA's do not guarantee growth and investors should understand the risk before investing in real estate, commodities, precious metals, tax liens, notes or other alternative assets. Kerr Wealth Management and it's advisor's are not real estate agents, brokers and do not provide legal real estate advice. Investors are solely responsible for their decisions to invest in a self directed IRA. Kerr Wealth Management and it's Advisor's do not make recommendations of any specific investments through a self directed IRA account other than traditional investments like publicly trades securities like mutual funds, ETF's, stocks, bonds, CD's and Cash. We may assist investors understand the risk and potential cash flow or loss associated with a self directed IRA investment that is not a traditional publicly traded security. Kerr Wealth Management and it's advisor's are not commodity brokers, advisor's or traders. Self directing involves potential tax complications and unique risk that may be higher or lower than investing in publicly traded markets and investors should consult with their tax advisor about potential UBIT or UDFI taxation. Videos posted on our website may or may not be produced or owned by Kerr Wealth Management and may have been provided by a fund company or third party. We do not warranty or guarantee the information in the videos and the content in the videos should only be interpreted as educational or informational. Not financial advice. Kerr Wealth Management's financial planning process may require a few hours to multiple meetings and various drafts. Incomplete or incorrect information provided to Kerr Wealth Management during the planning process may have an adverse affect on the planning result and it is up to the client to confirm and verify information provided and the accuracy of plan data. It is up to the client to adopt and act on the changes recommended and up to the client to follow the disciplines recommended beyond the initial planning process. Review meetings are recommended but planning ceases at the delivery of an initial plan. Various aspects of the financial planning process may include conflicts of interest. Conflicts exist when we recommend investing, purchasing an insurance product or annuity or service provided by one of our affiliates because additional compensation is involved which may be commissions. Annuities may be part of a plan recommendation or product recommendation when a client is desiring fixed income or long term asset protection. Recommending such product creates a conflict of interest because a commission is earned and is in addition to fees charged for planning or other advisory services. Recommendations related to retirement accounts and recommendations to use any insurance service, retirement administration or other service from one of our affiliated companies could be a conflict of interest because additional compensation may be earned. Nothing on this website should be considered a recommendation or solicitation of investment advice or products. Nothing our advisors, staff, website or other affiliates say or do is conflict free. Virtually all recommendations and actions involve a conflict of interest and it is up to the customer to act on an recommendations or inquire about such conflicts. Our advisors and affiliate's may be compensated for the sale of insurance products, retirement plan record keeping services, payroll or bookkeeping. Please read our ADV brochure below to understand how our fee structure works as well as any other services that may be provided by our company or affiliated Kerr Companies that could create a conflict of interest. Kerr Wealth Management does review tax returns as part of our financial planning services but and does provide tax preparation services directly to the public. If tax services are recommended this also creates a conflict of interest because additional compensation is earned by our affiliate in addition to the fee's charged for advisory and planning. Kerr Wealth Management does not draft wills or trusts however Kerr Wealth Management may review your will or trust as part of the financial planning process. Kerr Wealth Management's advisory staff may recommend fixed annuity products as a fixed income or asset protection allocation in lieu of bond or CD markets when interest rates are too low to accomodate a client's need's or interest. This creates a conflict of interest if the annuity is purchased through our affiliate becasue a commission is earned for the sale of such product. 

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