Kurt James Krokenberger, CRPC®
Associate Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(239) 449-7893(239) 449-7893
Toll-Free:
(800) 877-4697(800) 877-4697
My Mission Statement
Providing clarity amidst uncertainty
About Me
Kurt focuses on customized wealth management services for private business owners, their companies and emerging affluent families on a national level. Through goals based planning, with an emphasis on behavioral coaching, Kurt helps to optimize the unique goals of his clients.
As part of a multi-generational business, Kurt incorporates a personal family perspective to his wealth management career. Being a second generation member on a team affords him the ability to draw on his personal experience when dealing with the complexity and emotions at play in a privately held, multi-generational business. Kurt has seen first-hand how family dynamics can impact the success and longevity of a business. Through these experiences, Kurt has learned what families can do to manage their business and assets to benefit both current and future generations.
At the cornerstone of his practice is developing comprehensive financial plans, always looking at the complete financial profile of clients before making any recommendations. This complex focus goes beyond investing, to encompass tax management strategies, lending and liability management, wealth transfer, wealth accumulation and pre-liquidity planning. Working with different generations of clients, Kurt can see a diverse group of businesses and families, all with different needs and goals.
Kurt graduated magna cum laude from RIT with a Bachelor's Degree in Finance.
In his spare time, Kurt enjoys traveling with his wife Sarah, their son, Kai and daughter, Isla. He is also an avid skier and tennis player.
As part of a multi-generational business, Kurt incorporates a personal family perspective to his wealth management career. Being a second generation member on a team affords him the ability to draw on his personal experience when dealing with the complexity and emotions at play in a privately held, multi-generational business. Kurt has seen first-hand how family dynamics can impact the success and longevity of a business. Through these experiences, Kurt has learned what families can do to manage their business and assets to benefit both current and future generations.
At the cornerstone of his practice is developing comprehensive financial plans, always looking at the complete financial profile of clients before making any recommendations. This complex focus goes beyond investing, to encompass tax management strategies, lending and liability management, wealth transfer, wealth accumulation and pre-liquidity planning. Working with different generations of clients, Kurt can see a diverse group of businesses and families, all with different needs and goals.
Kurt graduated magna cum laude from RIT with a Bachelor's Degree in Finance.
In his spare time, Kurt enjoys traveling with his wife Sarah, their son, Kai and daughter, Isla. He is also an avid skier and tennis player.
Securities Agent: FL, GA, WV, WA, NV, ME, CT, NJ, LA, PA, CO, CA, TN, NC, VT, MA, DE, AZ, TX, PR, NM, MO, MD, IN, IL, VA, OH, NH, MI, NY, HI, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1383202
NMLS#: 1383202
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Behavioral Management
Behavioral Management
Investment performance is irrelevant if one does not have the mental fortitude to make the right decisions and more importantly avoid making the wrong decisions. No one can time the markets, pick the best stocks consistently nor forecast the economy with any accuracy. Therefore, behavior is the most important factor that will determine lifelong investment returns. I focus on the variables we can control. In order of importance, the variables are: faith, patience and discipline. That is my investment philosophy.
My investment approach is this: simple is better. In finance, complexity was designed to sell people what they want; the reality is that people come to me for advice. And I advise them on what they need not what they want. My philosophy and approach is the beginning of an understanding of what I do. Put aside the financial planning and investments. What is left is the true value I bring to my clients and that is behavioral coaching. If all we ever accomplish during our time working together is help you avoid making the biggest mistake of your financial life, then I have earned my keep and done my job.
I leave you with a quote that perfectly sums up my philosophy and the key to success, from a man much smarter than we all could dream to be: "If you're even a slightly above average investor who spends less than you earn, over a lifetime you cannot help but get very wealthy - if you're patient." - Warren Buffett
Investment performance is irrelevant if one does not have the mental fortitude to make the right decisions and more importantly avoid making the wrong decisions. No one can time the markets, pick the best stocks consistently nor forecast the economy with any accuracy. Therefore, behavior is the most important factor that will determine lifelong investment returns. I focus on the variables we can control. In order of importance, the variables are: faith, patience and discipline. That is my investment philosophy.
My investment approach is this: simple is better. In finance, complexity was designed to sell people what they want; the reality is that people come to me for advice. And I advise them on what they need not what they want. My philosophy and approach is the beginning of an understanding of what I do. Put aside the financial planning and investments. What is left is the true value I bring to my clients and that is behavioral coaching. If all we ever accomplish during our time working together is help you avoid making the biggest mistake of your financial life, then I have earned my keep and done my job.
I leave you with a quote that perfectly sums up my philosophy and the key to success, from a man much smarter than we all could dream to be: "If you're even a slightly above average investor who spends less than you earn, over a lifetime you cannot help but get very wealthy - if you're patient." - Warren Buffett
Location
8889 Pelican Bay Blvd
Ste 300
Naples, FL 34108
US
Direct:
(239) 449-7893(239) 449-7893
Toll-Free:
(800) 877-4697(800) 877-4697
Fax:
(585) 389-2299(585) 389-2299
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Kurt James Krokenberger today.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
